1. The loan applicant must meet any of the following deposit conditions: (1) Pay the housing provident fund to Wuxi Provident Fund Management Center on time, in full and continuously within six months before the month of applying for the loan, and have not owed the housing provident fund within two years from the month of applying for the loan; (2) If the loan applicant is transferred from other places to this city, the housing provident fund shall be paid on time, in full and continuously (remitted by the unit) six months before the transfer, and the provident fund has been remitted at Wuxi Provident Fund Management Center for at least 1 month (the remittance status is normal and there is no default). 2. The housing purchased by the loan applicant is self-occupied ordinary housing; 3. The loan applicant is the owner or owner of the purchased self-occupied house (the purchase contract is signed and sealed by the buyer); 4, a stable source of economic income and the ability to repay the principal and interest on time; 5. Provide the guarantee company recognized by the Center as repayment guarantee or the securities recognized by the bank as pledge; 6. The loan applicant has obtained the house ownership certificate, house ownership certificate and state-owned land use certificate of the purchased house; 7. The original commercial loan must be a house purchase loan and there is no debt for more than two months at the time of lending. 8. When the original commercial loan is lent, the principal balance must be less than or equal to the loanable amount of the borrower's provident fund. 9. Both husband and wife of the loan applicant shall not have outstanding provident fund loans.