1. Any employee who normally pays the housing provident fund in the housing provident fund management center and buys or builds a self-occupied house within the administrative area of this Municipality may apply for a housing provident fund personal housing loan (the borrower is the purchaser and the employee who is paying the housing provident fund).

2. Valid identity documents of the borrower and his spouse;

3. It is stipulated that the down payment has been paid, the down payment loan amount = the total house payment, and the house payment has not been paid;

4. The borrower has paid the housing accumulation fund continuously, on time and in full for more than 6 months after opening the deposit account, and has not paid it for more than 4 consecutive months recently;

5, the family income is stable, good reputation, the ability to repay the loan principal and interest;

6. Agree to provide loan guarantee approved by the housing provident fund management center;

7. The borrower and spouse have no outstanding housing provident fund loans or large debts.