Having full capacity for civil conduct;

Proof of provident fund deposit (or housing provident fund card);

Identity cards, household registration books and proof of marital status of the applicant and spouse;

If the unit has paid the housing provident fund normally for more than one year (inclusive), the employees must pay the housing provident fund normally for more than six months (inclusive), and the monthly payment of the housing provident fund has reached the minimum monthly payment announced by the CMC;

Workers can apply for housing loans within five years (inclusive) from the date of purchase, construction, renovation and overhaul of owner-occupied housing;

When employees apply for loans for the first time and the second time, they need to pay a down payment of more than 20% (inclusive) of the purchase price;

It has stable economic income, good personal credit and the ability to repay the principal and interest of loans.