First, different banks may have different conditions. However, most of them stipulate that the housing provident fund should be paid continuously for more than 6 months, and it is enough to apply for the normal payment of housing provident fund in the current month;

1, and if the customer fails to pay the housing provident fund for six consecutive months, it is always intermittent, then it is generally impossible to apply for a housing provident fund loan. Because banks will suspect that customers' economic income is unstable and worry that risks may occur more easily after issuing loans, most of them will refuse to issue loans to such customers;

2. Provident funds are generally paid monthly. Although the unpaid amount of the previous months can be paid in one lump sum after the payment is cut off, it is generally necessary to recalculate the continuous payment time of the provident fund after the payment is made. Therefore, if you want to successfully carry out housing provident fund loans, you should pay attention to the fact that the housing provident fund cannot be paid off in recent months.

Two, the newly established units of housing provident fund deposit relationship

The newly established unit shall go through the deposit registration with the local housing provident fund management institution within 30 days from the date of establishment.

Three, the newly established unit when opening an account materials

1, institutions or social organizations, need to issue the original and photocopy of the unit establishment approval document or legal person certificate; Independent accounting enterprises are required to issue the original and photocopy of their business licenses; The representative offices or offices of foreign countries and foreign agencies shall issue the original and photocopy of the registration certificate issued by the local administrative department for industry and commerce.

2. Original and photocopy of organization code certificate.

3. Registration form of basic information of the depositor of housing provident fund, remittance book (introduction sheet for opening an account of housing provident fund) and payment book of housing provident fund. When the unit opens an account, it begins to pay the housing provident fund together.

4, housing provident fund deposit base

The deposit base of housing provident fund is calculated according to the average monthly salary of employees in the previous year. The average monthly salary is calculated according to the items listed in the statistics of total wages stipulated by the National Bureau of Statistics.

5. Minimum deposit base of housing provident fund The deposit base of housing provident fund shall not be lower than the minimum wage standard of the year announced by the municipal government.

6. Minimum deposit base of housing provident fund The minimum deposit base is only applicable to units that pay workers' wages according to the minimum wage due to difficulties in production and operation.

7. The current minimum deposit ratio of housing provident fund is 5% for employees and 5% for unit housing provident fund, and the maximum ratio is 12%, which shall not be less than 5%.

8. Monthly deposit amount of housing provident fund The monthly deposit amount of employee housing provident fund is the employee's own housing provident fund deposit base multiplied by the employee's housing provident fund deposit ratio, which is withheld and remitted by the employer from his salary every month. The monthly deposit amount of housing provident fund paid by the unit for employees is the employee's own housing provident fund deposit base multiplied by the unit deposit ratio.

9. Time limit for housing provident fund deposit The unit shall remit the housing provident fund paid by the unit to the housing provident fund account of the housing provident fund management center within 5 days from the date of monthly payment of employees' wages. New employees start to pay housing provident fund from the second month of work, and newly transferred employees start to pay housing provident fund from the month when they are transferred to the unit.

legal ground

Regulations on the administration of housing provident fund

Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Twenty-sixth 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.

Twenty-seventh applicants for housing provident fund loans shall provide guarantees.