1. The borrower is an individual who normally pays the housing provident fund in the Provident Fund Center;

2. The borrower purchases affordable housing recognized by the lender;

3. Have permanent residence in cities and towns or valid residence status; Have a stable occupation and income, and have the ability to repay the principal and interest of the loan;

4. Have a house purchase contract or relevant supporting documents;

5. The borrower agrees to mortgage the property listed in the house sales contract signed with the developer to the lender, giving the lender priority mortgage and compensation as a guarantee for repayment of principal and interest;

6. The borrower has the ability to pay not less than 30% of the funds needed for house purchase; Other conditions stipulated by the lender.

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.