Employees of public institutions can apply for housing provident fund loans as long as they have paid the housing provident fund for more than half a year.

To apply for housing provident fund loans, you must meet the following conditions:

1. The borrower has purchased, built, renovated or overhauled the owner-occupied house within the administrative area of this Municipality, and the procedures are complete and legal;

2. The borrower has full capacity for civil conduct and has a permanent residence or valid residence certificate in this city;

3. The borrower has stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

4. When applying for a loan, the borrower has continuously paid the housing accumulation fund 12 months in full in the management center, and continues to pay it normally;

5. If you buy a house, you must pay a down payment of 30% of the purchase price; New construction, renovation and overhaul of owner-occupied housing need to have completed more than 30% of the construction investment;

6. The borrower agrees to use the purchased built houses and other houses with the same value as loan collateral, or provide other legal and effective guarantee methods that meet the requirements of these detailed rules;

7. The borrower has no debts that affect the repayment ability of the loan.