1. The borrower has a town account;

2. I and my unit have paid the housing provident fund in full and on time in this city for more than one year (from the back to the front);

3. Have a stable professional income, good credit and the ability to repay the principal and interest of the loan;

4, there is a legitimate contract or agreement to buy their own housing, and a prescribed proportion of self-raised funds;

5. The assets stipulated in the Guarantee Law are mortgage or pledge of loans;

6. Agree to handle the purchase guarantee or mortgage property insurance;

7, agreed to other conditions stipulated in the housing provident fund management;

8, personal housing provident fund loan income certificate.

Legal basis: Regulations on the Management of Housing Provident Fund

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.