First, the housing provident fund loan deposit conditions are as follows

1. If you buy policy housing,

The housing accumulation fund account should be established for more than 12 months (inclusive).

Deposit in full for 6 months before applying for a loan.

And when you apply for a loan, you are in a deposit state.

2. If you buy non-policy housing,

The housing accumulation fund account should be established for more than 12 months (inclusive).

Full continuous deposit before applying for loan 12 months.

And when you apply for a loan, you are in a deposit state.

Second, the loan process

Step 1: Preliminary inspection

The loan handling department accepts your application for provident fund loan, reviews the application materials and loan qualifications, and initially determines your loan amount, term and other information.

Step 2: Interview

After you have been approved by the loan handling department, you need to go through the loan signing and related procedures at the time and place notified by telephone.

Third, the loan amount.

The minimum down payment ratio for the first and second housing provident fund personal loans is 20%.

The maximum amount of the first home loan is 6.5438+0.2 million yuan.

The maximum amount of the second home loan is 800,000.

The above information is for reference: Beijing Housing Provident Fund.