The borrower must meet all the following conditions:

1. Have a legal and valid identity;

2. Have full capacity for civil conduct;

< p>3. Have a stable career and income, good credit status, and the ability to repay the principal and interest of the loan;

4. Purchase, build, renovate, and overhaul self-occupied housing;

5 , have a contract or relevant supporting documents for the purchase, construction, renovation, or overhaul of self-occupied housing;

6. Provide a guarantee recognized by the client;

7. Neither the borrower nor the husband and wife have Housing provident fund loans and housing provident fund policy discount loans that have not yet been paid off;

8. Payment conditions: establish a housing provident fund account for more than 12 months (inclusive), and at the same time, pay and deposit the housing provident fund in full and normally for 12 months

More than 12 months (inclusive) and the applicant is in a deposit status when applying for a loan; or the applicant’s unit is in a deferred payment status after approval by the Provident Fund Management Center, but I meet the requirement to establish a housing provident fund account for 12 months (inclusive) ) or above, and have paid the housing provident fund in full and normally for more than 12 months (inclusive); or the loan applicant is a retired employee who has paid the housing provident fund during his employment (the maximum age is not more than 70 years old, and a retirement certificate and income are required when applying prove).

Note: Borrowing applicants who purchase policy housing are not subject to the Beijing Housing Provident Fund payment time limit. Borrowing applicants only need to meet the conditions of establishing a housing provident fund account and being in a deposit status to apply for a housing provident fund loan.