(2) The borrower and the employer have continuously paid the housing accumulation fund 1 year or more; And before applying for provident fund loans, units and individuals do not owe housing provident fund; Units that have not implemented the housing provident fund system shall register the housing provident fund, and their units and individuals shall pay the housing provident fund continuously for more than 2 years according to the current wage base, and pay it continuously within the loan period;
(3) It has a stable income source, can repay the loan principal and interest on schedule, and has a good reputation; (4) There is a legal and effective procurement contract or agreement; (5) Having collateral or pledge recognized by the Housing Provident Fund Management Center (hereinafter referred to as the Center);