As long as the following provident fund loan conditions are met, you can buy a house.

1. On-the-job employees who have full capacity for civil conduct and have paid the housing provident fund in full.

2, continuous normal deposit housing provident fund for more than twelve months.

3. Purchase and build self-occupied houses within the administrative area, and have paid the purchase price above the prescribed down payment ratio.

4. Personal credit is good, with stable economic income and the ability to repay the loan principal and interest.

5. Agree to use the purchased house as loan collateral, or provide a guarantee recognized by the management center.

Housing accumulation fund extraction process:

1. First of all, you need to provide your real ID card and its copy, and you need to provide different corresponding supporting materials according to different purposes of withdrawing housing provident fund. Then you need to go to my unit to collect and fill in the conditions for the withdrawal of housing provident fund to determine whether the submitted certification materials are true and legal.

2. The second step is to take the above-mentioned documents, applications and corresponding supporting materials to the housing provident fund management department where the employees originally paid the provident fund.

3. Step 3: After being audited by the local housing provident fund management department, confirm whether your situation meets the conditions for housing provident fund withdrawal and whether the submitted certification materials are true and legal.

4. If the documents you provide are incomplete, you need to apply for a supplement as soon as possible; If your application conditions are met, your personal information is filled in correctly, and your identity is true, the provident fund management center will allow your withdrawal requirements and inform you to go through the payment procedures at the corresponding bank. If you don't have the application conditions, the provident fund management center will also inform you, and will also inform you in the notice the specific reasons why you can't withdraw the housing provident fund.

5. Under normal circumstances, after you apply for the withdrawal of housing provident fund, the housing provident fund management center needs to complete the review within 3 working days from the date of your application and will inform you of the result as soon as possible.

6. If your application is audited by the housing provident fund management department, you need to provide the personal savings account number of the designated bank, and the housing provident fund management department will handle the withdrawal procedures of the housing provident fund.

7. After completing the procedures for withdrawing the housing provident fund, the housing provident fund management department will transfer the amount you applied for to the account you provided, and then you can withdraw the housing provident fund by going to the bank with your bank card.

How long can the housing provident fund loan to buy a house?

Generally, the provident fund is paid 12 months or more, and you can borrow money to buy a house. Applicants who are preparing for loans must pay the provident fund continuously for 12 months or more before they are eligible to buy a house, and the provident fund for this 12 month must be paid continuously without interruption. Provident fund deposit 12 months or more. After this condition is met, it must be approved by the center. After the approval of the center, the bank will issue the loan to the applicant.

Regulations on the administration of housing provident fund

Article 17

The new employees will pay the housing arbitration provident fund from the second month of their work, and the monthly deposit amount is the employee's own salary multiplied by the employee's housing provident fund deposit ratio.

The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio. Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

What are the conditions for buying a house with a provident fund loan?

To apply for housing provident fund loans to buy a house, you need to meet the following conditions:

1. Applicants and * * * loan applicants must continuously pay the housing provident fund in full and on schedule for at least 6 months. And the housing provident fund account is in a normal deposit state.

2. No provident fund loan balance.

3, the first or second time for housing provident fund loans.

4. The loan is used for purchase, construction, renewal and overhaul.

5. The down payment for house purchase shall not be less than the specified proportion. Housing provident fund loans, the down payment ratio varies from place to place, usually not less than 20% of the total house price.

6. Be able to implement loan guarantee.

The specific extraction process of provident fund is as follows:

1, I need to apply to the provident fund center. I provide a copy of my real ID card and provide relevant supporting materials to the unit as required. After verification by the unit, fill in the Application Form for Housing Provident Fund Extraction and affix the reserved seal;

2. With personal documents, application forms and corresponding supporting materials, go to the housing provident fund management department where the employee originally paid the provident fund to open an account;

3. After reviewing the materials provided by the employees, the staff will extract and review the employees, print the acceptance receipt, and then submit it to the employees for confirmation, and hand over the copy of the acceptance receipt 1 copy and the original supporting materials to the employees;

4, the extraction of housing provident fund into the employee's own housing provident fund joint card savings account.

Can I buy a house with a provident fund loan?

There is no preference for housing provident fund itself, but the interest rate of housing provident fund loans is lower than that of commercial loans.

In addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans.

The interest rate of provident fund loans is set by the People's Bank of China, which is different from the benchmark interest rate of commercial bank loans. Following the central bank's announcement of interest rate cut, on the morning of August 26th, 20 15, Beijing Housing Provident Fund Management Center issued a notice of interest rate cut: starting from 26th, the deposit and loan interest rate of Beijing Housing Provident Fund will be lowered.

The interest rate of provident fund loans for five years and below is lowered from 3% to 2.75%; The interest rate for loans over five years was lowered from 3.5% to 3.25%. This is the fourth time that the provident fund has cut interest rates since 20 15. According to calculation, after the interest rate of provident fund loans is lowered, the monthly payment of1100,000 20-year loans can be reduced 1.28 yuan, and the total interest during the 20-year loan period can be reduced by 30,633 yuan.

Extended data:

Housing provident fund related loan conditions:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.