After the provident fund is generally paid in full for 6 months, you can use the provident fund loan to buy a house; You can consult the local provident fund management center for details.

First, the continuous purchase of housing provident fund for half a year, and meet the following basic conditions, you can apply for housing provident fund loans:

1. Have permanent resident status or other valid resident status in this Municipality and have full capacity for civil conduct;

2, has signed a legal and effective purchase contract or agreement, and agreed on the proportion of the first payment of the purchase price;

3. Have a stable occupation and income, and have the ability to repay the principal and interest on time.

The provisions of provident fund loans are not uniform throughout the country, and the policy standards in different regions are different. For example, in some places, the loan requirement is that the provident fund must be deposited for more than 1 year before applying for a loan; Some places only need to deposit for 6 months to apply for loans; There are even some places that can only apply for a three-month deposit for special reasons.

Therefore, if you want to buy a house with a provident fund loan, you'd better first understand the provident fund loan policy of the place where you plan to buy a house.

Second, the restrictions on buying a house with provident fund loans

1, remote restriction

Although many areas have now liberalized the restrictions on using the provident fund to buy a house in different places, this will still happen in some cities, so buyers should take this into account. Usually, buyers only need to meet the requirements of relatively stable professional and economic income, corresponding repayment ability and good personal credit; There are assets recognized by the provident fund as collateral or pledge, or units with sufficient compensatory capacity as guarantors; Other conditions stipulated by the provident fund.

2, the use of quantity restrictions

The provident fund is not intentionally used for loans to buy a house indefinitely, and the number of times the provident fund can be used will be limited. Under normal circumstances, the provident fund management center stipulates that 1 time of provident fund can be withdrawn every year during the repayment period of commercial loans. If you buy a house with a commercial loan, you can repay the housing provident fund loan in advance, and you can withdraw 1 time every year, and each time you can withdraw the repayment amount of the previous year. Buying a house with a loan can generally only be used twice.