You can apply for a loan after six months of continuous repayment.

Apply for provident fund loans must meet the following conditions:

1. The borrower is a natural person of China nationality with full civil capacity;

2. When applying for provident fund loans, an account has been opened and remitted in full, and the period is not less than the period announced by the management center regularly;

3, with legal and effective housing sales contracts or documents approved by the relevant departments to build and repair houses;

4. The down payment for house purchase shall not be less than the specified proportion;

5. The borrower has a stable economic income and the ability to repay the loan principal and interest, has a good personal credit report, and has no other debts that affect the loan repayment ability;

6, the purchase, construction and repair of housing land is state-owned land; Take the house purchased, built or repaired as collateral.

Second, what if the provident fund is not deducted? Is the provident fund overdue?

Anyone who has done provident fund loans knows that the repayment of provident fund is automatically deducted. On the repayment date, the system will automatically deduct money from the borrowed savings account. As long as the funds are sufficient, it doesn't matter whether the lender saves it himself or the provident fund. But some people will find that their provident fund has not been deducted. What's going on here? Is it overdue?

Why hasn't the provident fund been deducted that day? 1. The account balance is insufficient. Provident fund loans are deducted every month. Everyone will leave their bank card information when they apply for a loan. General provident fund deductions will be deducted from this bank card. If it is found that there is no deduction on the repayment date, you can check whether the balance is sufficient; 2. The unified deduction time has not yet arrived. The provident fund is deducted uniformly, and the repayment time is different in each region. In most areas, the date of deduction is Tuesday and Thursday of each week. Assuming that Ms. X's provident fund deduction date is 25th of each month, but the 25th of a month is not Tuesday or Thursday, the deduction will be postponed to next Tuesday or Thursday; 3. The bank card is frozen. Lenders can check whether their bank cards are frozen due to the expiration of their ID cards. If the bank card is frozen, you can only deposit money, but you can't withdraw money, and you can't deduct the provident fund money. Is it overdue not to deduct the provident fund on the same day? Whether the outstanding provident fund on the repayment date is overdue depends on the situation. If the deduction fails because the borrower fails to keep enough money in the savings account, then one day late will be regarded as overdue and credit will be collected at the meeting; If there is enough money left in the borrower's savings account for deduction, but it is not deducted in time due to the upgrading and maintenance of the banking system that day, it is not overdue. The above is the answer to the question "The accumulation fund will not be deducted until the day" brought by Xi Cai Jun. I hope it will help everyone!

3. What should I do if I miss the repayment date of the housing provident fund? Yesterday was the repayment date of my provident fund loan, but I forgot. What will happen if I make up for my mistake today and the next day?

It's overdue. But it won't make any difference. If the number of times is too much, it will be troublesome to get a loan or a credit card in the future. Please remember to repay in time. I hope I can help you! The answers come from: "Baidu real estate exchange group" and "business!

4. Is it overdue to repay the provident fund without deducting money on weekends?

without reason

1. The loan repayment will not be postponed on Saturday and Sunday.

2. When the repayment date falls on a holiday, although the bank will not handle corporate business on Saturday and Sunday, it will not affect the repayment business, and the deduction will not be postponed to working hours.

3. Some banks also have the following provisions on the coincidence of loan maturity date and legal holidays:

(1) Repayment on the working day before legal holidays is not considered as prepayment.

(2) Repayment on the first working day after legal holidays is not overdue.

(3) However, when calculating interest, it needs to be calculated according to the actual number of days.