The conclusion is that housing provident fund loan qualifications are related to the payment time. For the provident fund paid by the unit, the loan application needs to be paid in full and continuously for 6 months; for the provident fund paid by the individual, the requirements are higher, and it needs to be paid continuously for one year before applying for a loan. If your unit contributes, this period is reduced to half a year. Housing provident fund refers to a special fund established by various enterprises and institutions and their employees to save funds for long-term housing purchases. It should be noted that the loan regulations allow the provident fund payment time in other places to be included, but it requires at least 6 months of continuous payment records. The above information comes from the Housing Provident Fund entry on Baidu Encyclopedia.