Housing provident fund loans require a credit report.

When applying for a provident fund loan, you should meet the following basic conditions:

Have full capacity for civil conduct;

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

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The applicant and his/her spouse’s ID card, household register and marriage status certificate;

Employees whose units have paid the housing provident fund normally for more than one year (inclusive) must pay the housing provident fund normally for six years. months (inclusive) or more, and the monthly housing provident fund payment amount reaches the minimum monthly payment amount announced by the management committee;

From the date when an employee purchases, constructs, renovates, or overhauls a self-occupied house, the Within five years (inclusive), you can apply for a home purchase loan;

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

With Stable economic income, good personal credit, and the ability to repay the principal and interest of the loan.