Provident fund loans to buy a house, there is no requirement for the deposit amount, but there is a requirement for the deposit time. Generally speaking, you must pay the provident fund in full for more than 6 months before you can use the provident fund loan to buy a house. Some cities require to pay fees for more than one year, depending on the regulations of your city.

Provident fund loans shall not exceed 5 years after the borrower's statutory retirement age, that is, men are 65 years old and women are 60 years old; The employees of this unit have signed labor contracts for more than 3 years; Normal continuous monthly housing provident fund deposit exceeds a certain period; Not over the statutory retirement age.

The longest term of provident fund loans shall not exceed 30 years. The term of portfolio loans, provident fund loans and commercial housing loans must be the same. When buying a house and using a mortgage, you can withdraw the housing provident fund once a month; When withdrawing housing provident fund in the case of one-time payment, employees and their spouses can withdraw housing provident fund in full once every quarter, up to four times a year.

Conditions for buying a house with provident fund loans:

1, with permanent residence or valid residence certificate in this city;

2. The housing provident fund has been continuously deposited for more than half a year before the application, and the accumulated deposit time is not less than 2 years;

3. Self-raised funds reach more than 30% (including 30%) of the total price of the purchased house;

4 have a stable job and a stable source of income, and have the ability to repay the loan principal and interest;

5, signed a contract or agreement to buy housing;

6. Meet other conditions stipulated by the trustor and the trustee.

Legal basis: Article 25 of the Regulations on the Administration of Housing Provident Fund.

If the employee withdraws the storage balance in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or not to withdraw, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.