When employees normally pay housing provident fund monthly for a certain number of years, they may consider using housing provident fund loans, but they shall not exceed the statutory retirement age. Generally speaking, local permanent residents or holders of valid residence certificates can only apply for housing provident fund loans if they have paid 12 months continuously. What is the guide for Fuxin to apply for provident fund loans? Net Bian Xiao compiled the following contents for your reference. 1. The legal time limit for Fuxin to apply for provident fund loans is 5 working days. 2. Fuxin application for provident fund loan materials 1, bank card 2, commercial housing sales contract (pre-sale) 3, down payment invoice 4, statement 5, personal credit report 6, marriage certificate 7, household registration book 8, certificate of deposit in different places (provided by employees who deposit in different places) 9, commercial housing pre-sale permit 10, ID card1kloc. Acceptance conditions for Fuxin to apply for provident fund loans 1. The borrower or * * * has continuously paid the housing provident fund in full for more than 6 months, and the employees who have paid in different places have continuously paid the housing provident fund in full 12 months or more. 2. For the purchased real estate, the development enterprise has completed the access procedures for housing provident fund loans. 3. Within 6 months from the date when the buyer signs the commercial house sales contract. 4. The borrower and the borrower have no outstanding loans and guarantees (including commercial loans, online loans and credit cards). 5. The borrower and the borrower's personal credit report have not been overdue for three consecutive times in the past three years, with a cumulative record of six times. Four. The legal basis for Fuxin to accept provident fund loans is Article 26 of the Regulations on the Management of Housing Provident Fund. Employees who have paid housing provident fund can apply for housing provident fund loans from 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 conditions that Fuxin needs to meet when applying for provident fund loans will be slightly different across the country. Generally speaking, according to local policies, if you want to buy a house before the house price continues to rise, you can apply for a loan, and it will be more cost-effective to apply for a housing provident fund loan. If you have any other questions, please visit the website for one-on-one legal consultation.