You can get a loan after paying the housing accumulation fund 12 months, and you have the basic conditions to apply for a loan after paying the housing accumulation fund 12 months. The annual interest rate of the first home provident fund loan is 4.5%, and employees can make use of the balance in the provident fund account to repay the loan in time by handling the monthly withdrawal of the provident fund.

Housing provident fund loan application conditions are as follows:

1, only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans;

2, apply for a loan before the continuous deposit of housing provident fund for not less than six months;

3. One of the spouses has applied for a housing provident fund loan, and neither spouse can obtain a housing provident fund loan until the principal and interest of the loan are paid off;

4. When applying for housing provident fund loans, the loan applicant must have relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of housing provident fund loans;

5. The term of the provident fund loan shall not exceed 30 years.

Legal basis: Article 26 of the Regulations on the Administration of Housing Provident Fund.

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.