1. Natural persons with full capacity for civil conduct may apply for personal housing provident fund loans when the funds for purchasing, renovating or overhauling their own houses are insufficient.
2. Have legal and valid identification.
3, working in this city for 6 months (including 6 months) or more; Employees whose housing provident fund has been sealed cannot apply for individual housing provident fund loans.
4, with the purchase contract or agreement signed in accordance with the law, the construction and renovation of housing must have the documents approved by the planning, land and other management departments, and the overhaul of owner-occupied housing must have the documents approved by the management functional departments.
5. The down payment for purchasing ordinary houses (including second-hand houses) shall not be less than 30% of the house price.
6. Agree to guarantee according to the guarantee method approved by the management center.
7 provident fund loans have been paid off or have not occurred.
8. The borrower and his spouse have no record of non-performing loans in the management center and the bank credit information system.