1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for a loan.
2. With the approval of the center, employees in the deferred payment state can apply for loans under the conditions that the housing provident fund account has been established for more than 12 months (inclusive) and the housing provident fund has been paid in full 12 months (inclusive).
3. The loan applicant can be a retired employee who has paid the housing provident fund during his working period.