The conditions for loans with the balance of the housing provident fund are as follows: 1. The applicant should have a stable career and income to ensure timely repayment; 2. The balance of the applicant's housing provident fund account should not be less than 20,000 yuan, and the balance of the applicant's housing provident fund account will be calculated as 20,000 yuan; 3. Apply

The maximum amount of a housing provident fund loan is 20 times the account balance; 4. The applicant should abide by the regulations of the local housing provident fund management center; 5. The applicant does not have large debts that affect the repayment ability; 6. The applicant's monthly family income after deducting monthly repayments

It should be higher than the city's minimum living security standard; 7. The personal credit rating of the applicant and his spouse should meet the standard; 8. The applicant has signed a legal house purchase contract or agreement and paid the required down payment; 9. The applicant has paid the required amount in the past 6 months.

Pay the housing provident fund in full every month; 10. Applicants should meet the conditions stipulated in other laws and regulations.

Regulations on the use of housing provident funds: 1. Withdrawal conditions: including purchasing a house, renting a house, repaying the principal and interest of a housing loan, retirement, etc.; 2. Loan conditions: usually requiring continuous payment of a certain period of provident fund, good credit, and a stable source of income; 3.

. Loan amount: determined comprehensively based on personal provident fund deposit amount, deposit time, price of purchased housing and other factors; 4. Loan interest rate: generally lower than commercial loan interest rate, the specific interest rate is stipulated by the local provident fund management center; 5. Repayment method

: Installment repayment, usually in equal amounts of principal and interest or equal amounts of principal; 6. Joint loan: Both husband and wife can jointly use their respective provident fund account balances to apply for a loan; 7. Early repayment: The borrower can choose to repay part or all of it in advance.

Pay off the loan and reduce interest expenses; 8. Overdue payment: Overdue repayment may affect your personal credit record and may incur penalty interest.

To sum up, to apply for a housing provident fund loan, you need to have a stable career and income, an account balance of not less than 20,000 yuan, a loan limit of up to 20 times the account balance, compliance with local regulations, no large debts, and a monthly income deducting repayment higher than

Minimum living allowance, good personal credit, signing a legal house purchase contract, paying provident fund in full within the past 6 months and other relevant laws and regulations.

Legal basis: Article 11 of the "Interim Measures for the Administration of Personal Loans" Personal loan applications shall meet the following conditions: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations;

(2) The purpose of the loan is clear and legal; (3) The loan application amount, term and currency are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no major bad credit record;

(6) Other conditions required by the lender.