Employees applying for provident fund loans do not need social security, but they need proof of employees' income and records of employees paying provident fund for six consecutive months.

Provident fund loan conditions:

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. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 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. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

Regulations on the administration of housing provident fund

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.

Article 27

Applicants who apply for housing provident fund loans shall provide guarantees.

Article 28

The housing provident fund management center can use the housing provident fund for the purchase of government bonds with the approval of the housing provident fund management Committee on the premise of ensuring the withdrawal and loan of the housing provident fund.

The housing provident fund management center shall not provide guarantees to others.

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

Provident fund loans need to be at least 18 years old to buy a house. At the same time, they also need to have a record of participating in local social security. The exact time varies from city to city.

1. What are the requirements for housing provident fund housing loans?

1, age 18, with full capacity for civil conduct.

2 to participate in the housing provident fund system and pay the housing provident fund in full and on time for more than six months (inclusive) of urban workers. The housing provident fund account in the month of application is also in a normal deposit state.

3. Have permanent residence or valid residence status in the local area.

4. You have never had a housing provident fund loan in your name or the loan has been settled (if you have applied for a housing provident fund loan twice, you cannot apply for a housing provident fund loan regardless of whether the loan has been paid off).

5. Have a stable and legal income source, have the ability to repay the loan principal and interest on schedule, and provide at least twice the mortgage repayment every month.

6. Self-raised funds not less than 30% of the total price of the house purchased shall be used as the down payment for the house purchase.

7. Personal credit is good, and there are no bad records or serious negative information in the credit report (mainly reviewing the credit information of customers in the past two years)

How long can I borrow money to buy a house after paying the housing provident fund? Does the provident fund have to be more than 20 thousand to be used?

As we all know, after joining the company, the company needs to pay social security and housing provident fund to every employee regularly. The housing accumulation fund is paid by the company and half of it is borne by itself, which can be used to apply for personal housing loans or rent houses. How long can I borrow money to buy a house after paying the housing provident fund? Does the provident fund have to be more than 20 thousand to be used?

How long can I borrow money to buy a house after paying the housing provident fund?

Employees need to pay the provident fund for more than 6 months in a row before they can apply for a loan. The normal deposit here refers to continuous monthly deposit, early deposit and supplementary payment of housing provident fund, and the time for supplementary payment of housing provident fund shall not exceed three months.

However, the conditions in each region are somewhat different. For example, in Changsha, you need to pay the housing provident fund in full for more than one year before you can apply for a provident fund loan. Therefore, the borrower needs to consult the local specific rules, which shall prevail.

Provident fund loan purchase process:

1. The housing provident fund management center conducts a preliminary examination of the materials submitted by the applicant.

2. The applicant goes to the appraisal institution designated by the Center to appraise the value of the house purchased.

3. The applicant shall go to the center for loan review with the evaluation report issued by the evaluation institution and the preliminary examination materials required by the center.

4. After approval, the applicant shall go through the guarantee formalities according to the guarantee method chosen by him.

5. If the provident fund loan center allows the lender to lend, it is necessary to sign a loan contract at this time, and then formally express that the provident fund loan center and related banks are allowed to use the provident fund loan.

6. The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract.

Does the provident fund have to be more than 20 thousand to be used?

Of course not. Users can apply for provident fund loans even if the balance of provident fund is less than 20,000 yuan. Whether users can apply for provident fund loans is not determined by the balance, but by the time of deposit.

How long does it take to borrow money to buy a house and pay the housing provident fund?

Details are as follows:

1. Generally, you need to pay the provident fund 12 months or more, and you can borrow money to buy a house.

2. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for a loan.

3. With the approval of the Center, the employees of the deferred units can apply for loans if they have established a housing provident fund account for more than 12 months (inclusive) and paid the housing provident fund in full 12 months (inclusive).

Provident fund, usually refers to housing provident fund, and sometimes also refers to company provident fund.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

Extended data:

Provident fund loan processing flow:

1. The lender needs to submit a written application to the bank and fill in the Application Form for Housing Provident Fund Loan.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.