Yinchuan housing provident fund loan conditions are as follows:
1. Loan eligibility: the applicant and his unit have paid the housing provident fund on time, in full and continuously for more than six months, and there has been no suspension or default, and the payment ratio shall not be less than 5%;
2, with the purchase of housing contracts or agreements, construction, renovation, overhaul of housing must hold the relevant approval documents approved by the planning, land and other departments;
3. Proof of long-term stable economic income and the ability to repay the principal and interest of the loan;
4, the first use of housing provident fund loans to buy first-hand housing must have proof that its own funds exceed 20% of the total purchase and construction value, and other circumstances must have proof that its own funds exceed 25% of the total purchase and construction value;
5. The completion date of purchasing second-hand houses shall not exceed 20 years.
Legal basis: Regulations on the Management of Housing Provident Fund
Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.
Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.