1. Using provident fund loans to buy a house can reduce the down payment ratio of the house. As long as buyers use the provident fund to borrow money to buy a house, the original down payment ratio is adjusted from 3% to not less than 2%.

2. The loan amount of the fund will be increased, and each region has implemented different levels of loans. The lowest loan amount is 3 yuan, and the highest loan amount can reach 9, yuan.

3. cities with talent introduction and families with triplets can borrow up to 1.3 million yuan

4. The provident fund can also be used to repay the monthly payment. The purchase policy of most cities shows that individuals can pay 9% of the total provident fund to pay back their future monthly payments.

The application conditions for housing provident fund loans are as follows:

1. Individual urban workers and their units must pay housing provident fund continuously for one year;

2. If the borrower purchases a commercial house, it must have self-raised funds of not less than 3% of the total house price as the down payment of the house;

3. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

4. If both husband and wife have paid the housing provident fund in full and normally, only one party is allowed to apply for a housing provident fund loan;

5. A family can only apply for a housing provident fund loan to buy a house at the same time;

6. The lender must have permanent residence or valid residence status in the towns of this province;

7. Agree to use the purchased house as collateral.

conditions for withdrawal of provident fund:

1. purchase, construction, renovation and overhaul of owner-occupied housing;

2. Retired;

3. completely losing the ability to work and terminating the labor relationship with the unit;

4. Those who leave the country to settle down;

5. Repaying the principal and interest of the house purchase loan;

6. The rent exceeds the prescribed proportion of family wage income.

Legal basis:

Article 26 of the Regulations on Housing Provident Fund Management

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

the housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on granting or not granting the loan, and notify the applicant; If the 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.