Conditions for applying for housing provident fund loans:

(1) There is a legal house purchase contract or agreement, and the borrower shall be the property owner as stipulated in the house purchase contract. The purchased houses are newly-built commercial houses, affordable housing, units raising funds to build houses, resettlement houses in shanty towns, existing commercial houses (second-hand houses), self-built houses built by employees, renovated houses or overhauled houses for owner-occupation, etc. (excluding commercial housing, villas, low-density housing, etc.). ) within the administrative area of this Municipality;

(2) The borrower and his unit have established the housing provident fund system, and paid the housing provident fund in full and continuously for not less than the specified time at the time of loan, and no housing provident fund loan has occurred or has been fully paid off;

(3) Natural persons with full capacity for civil conduct have stable economic income and loan repayment ability, and their personal credit status is good;

(four) the down payment of the purchased house that has been delivered shall not be less than the prescribed proportion;

(5) If it is agreed that the purchased house or other real estate recognized by the provident fund center can be used as collateral, or movable property and rights can be used as pledge, the unit that sells the purchased house will provide installment loan guarantee for the purchase of new commercial housing loans.