Some cities stipulate that borrowers must pay the provident fund in full for more than 6 months (inclusive) and the provident fund account is in the state of payment. Representative cities are Beijing, Shanghai, Guangzhou, Shenzhen, Harbin, Changchun, Shenyang, Taiyuan, Nanjing, Hangzhou, Baotou, Wuhan, Nanchang, Kunming, Fuzhou, Jinan, Urumqi and Haikou.

2. The applicant's continuous payment exceeds 12 months (inclusive).

In some cities, the requirements are more stringent, stipulating that borrowers must continuously deposit the provident fund 12 months (inclusive) in full, and the provident fund account is in the state of deposit before applying for provident fund loans. The representative cities are Tianjin and Changsha.

In addition, in some places, the time for purchasing policy housing and applying for provident fund loans may be different from that for ordinary housing. For example, in Beijing, borrowers are required to pay the provident fund in full 12 months or more; In some places, the payment time of special people is relatively loose, such as Yangzhou. For low-income workers' families, they can apply for provident fund loans if they need to pay in full for three months or more.