If you have paid the housing provident fund in Haozhou City and meet the conditions, you can get a loan even if you have a local household registration.

Provident fund loan conditions: 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. Those who participate in the housing provident fund system must also meet the following conditions when applying for a housing provident fund personal home purchase loan: that is, they must have continuously paid and deposited the housing provident fund for no less than six months before applying for a loan.

This is because if employees’ behavior of paying housing provident funds is abnormal and intermittent, it means that their income is unstable and risks will easily arise after the loans are issued.

3. One spouse has applied for a housing provident fund loan. Before the spouse has repaid the principal and interest of the loan, neither spouse can obtain another housing provident fund loan.

Because housing provident fund loans are financial support provided to meet the basic housing needs of employee families, and are a type of "housing security" financial support.

4. When a loan applicant applies for a housing provident fund loan, in addition to having a relatively stable economic income and the ability to repay the loan, the loan applicant must have no other debts that have not yet been repaid in a large amount that may affect the repayment ability of the housing provident fund loan.

When employees are burdened with other debts, granting housing provident fund loans is very risky and violates the principle of safe operation of housing provident funds.

5. The maximum term of provident fund loans shall not exceed 30 years.

When applying for a portfolio loan, the loan terms of the provident fund loan and the commercial housing loan must be consistent.