How long it takes to pay the housing provident fund before you can get a loan to buy a house needs to be judged based on the specific circumstances, as follows:

1. If the housing provident fund is paid by the unit, it needs to be paid in full for 6 months. After that, you can use the housing provident fund loan to buy a house;

2. If you pay the housing provident fund personally, you need to pay in full for one year before you can use the housing provident fund loan to buy a house. Therefore, if you meet the conditions for the unit to pay housing provident fund, you can use it in half a year. Housing provident fund refers to the long-term housing savings deposited by state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social groups and their employees; < /p>

3. Employees who have paid housing provident fund in full for more than 6 months (inclusive) can apply for a housing provident fund personal housing loan. For those who have paid housing provident funds in other places and paid in the current place of deposit for less than 6 months, the payment time can be calculated based on the payment certificate issued by the housing provident fund management center of the original place of deposit.

What is the housing provident fund loan process?

1. To apply for a housing provident fund loan, the borrower needs to submit a written application to the Municipal Housing Provident Fund Management Center, fill in the housing provident fund loan application form and truthfully Provide relevant information;

2. When the Municipal Housing Provident Fund Management Center is responsible for reviewing the borrower's qualifications, guarantor qualifications, loan amount and loan period, and filling in and agreeing to the contract, the borrower signs a relevant contract with the center or Agreement, and apply for insurance in accordance with the regulations of the People's Bank of China;

3. After the loan procedures are completed, the Municipal Housing Provident Fund Management Center will issue a loan approval notice to the bank, and the bank will handle the loan transfer procedures after receiving the loan notice. ;

4. When purchasing a house, the borrower can go to the bank to calculate the amount of the loan and the monthly repayment amount based on his provident fund payment. According to the relevant regulations on provident fund management, withdrawals are made once a year.

How many years is the longest provident fund loan period?

1. If you use a housing provident fund loan to purchase ordinary commercial housing, limited-price commercial housing, or targeted sales (resettlement) affordable housing, the general loan period is the longest. It shall not exceed 30 years;

2. For those who purchase privately owned housing, the longest period shall not exceed 20 years;

3. For those who purchase public property rights or build, renovate or overhaul self-owned housing , the longest period shall not exceed 10 years;

4. The housing provident fund loan period is not only related to the target of purchasing the house, but also the age of the applicant. Most places stipulate that the sum of the borrower's age and the loan term shall not exceed 5 years after the legal retirement age. The statutory retirement age is generally calculated based on the age of 55 for women and 60 for men. If the state provides otherwise, the retirement age shall be in accordance with its regulations but shall not exceed the age of 65.

Legal basis: Article 14 of the "Housing Provident Fund Management Regulations"

Newly established units shall register with the Housing Provident Fund Management Center within 30 days from the date of establishment. , and complete the procedures for setting up housing provident fund accounts for the employees of the unit within 20 days from the date of registration.

If a unit merges, splits, cancels, dissolves or goes bankrupt, the original unit or the liquidation organization shall handle the change registration or deregistration with the Housing Provident Fund Management Center within 30 days from the date of occurrence of the above situation, and shall handle the registration change itself. Within 20 days from the date of proper registration change or deregistration, the housing provident fund account transfer or sealing procedures shall be handled for the employees of the unit.