First, when employees apply for housing provident fund loans, they must continuously pay the housing provident fund in full 12 months (inclusive), and the provident fund account should be in a normal state of payment. If the provident fund is normally deposited continuously in the housing provident fund management center in different places, the time of opening an account and the time of depositing the provident fund can be calculated together. If the spouse of the loan applicant has paid the housing provident fund 12 months (inclusive) continuously and normally in the housing provident fund management center in different places, the balance of the housing provident fund can be calculated together.

Second, if a voluntary depositor applies for a loan, he must pay the housing provident fund 12 months or more in full. Voluntary depositors who apply for housing provident fund loans do not need to provide any proof of income, but the monthly repayment amount converted according to the loan amount and loan period shall not exceed the monthly payment amount of the family. If you apply for a housing provident fund loan after the repayment of the housing provident fund loan in the center, you must also apply for the automatic withdrawal of the monthly repayment of the housing provident fund loan. When both husband and wife apply for housing provident fund loans, if one of them is a voluntary depositor, it shall be handled according to the loan policy of the voluntary depositor.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.

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.