The details are as follows:

1. Live in a valid account in the local town where the loan is made, and can provide a valid residence certificate;

2. The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated time of the accumulation fund cannot be less than 12 months;

3. The self-financing of the first suite accounts for more than 3% of the total house price, including 3%, and only 2% is needed for the first home loan below 9 square meters.

The longest time for provident fund loans has to exceed 5 years after the borrower's statutory retirement age, that is, men are 65 years old and women are 6 years old; On-the-job employees of the unit need to sign labor contracts for more than 3 years; Normal continuous monthly housing provident fund deposit for more than a certain period of time; If it is not over the statutory retirement age. The longest term of provident fund loans is not more than 3 years.

application conditions: (1) having a legal and valid identity; On-the-job employees who have paid housing provident fund in the housing provident fund management center and retired employees who have paid housing provident fund during their employment, or other borrowers who meet the requirements of Beijing Housing Provident Fund Management Center in accordance with relevant state regulations. (2) Having full capacity for civil conduct; (3) Having a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan; (four) the purchase, construction, renovation, overhaul occupied housing; (five) with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents; (six) in line with the provisions of the client on the loan housing provident fund deposit conditions; If the loan applicant is an on-the-job employee, he must establish a housing provident fund account for more than 12 months (inclusive), and at the same time, pay the housing provident fund in full for more than 12 months (normal deposit includes monthly continuous deposit, prepayment and supplementary payment of housing provident fund), and he is in the state of deposit when applying for a loan. For the units that have been approved by the center and are in a deferred payment state, their employees can apply for loans under the conditions that they have established housing provident fund accounts for more than 12 months (inclusive) and paid housing provident fund in full for more than 12 months (inclusive). (seven) to provide a guarantee recognized by the client; (eight) the borrower and his wife have no outstanding housing provident fund loans and housing provident fund policy discount loans; (nine) the loan amount for the purchase of affordable housing and other policy housing shall not exceed 9% of the housing appraisal value or the actual purchase price (whichever is lower); The loan amount for purchasing other houses shall not exceed 8% of the appraised value of the house or the actual purchase price (whichever is lower).

To sum up, this is Xiaobian's answer about how much the provident fund can be used to buy a house by loan. I hope it can help you.

Legal basis:

Article 25 of the Regulations on the Administration of Housing Provident Fund

If an employee withdraws the balance stored in the housing provident fund account, the employer shall verify it and issue a certificate of withdrawal.

employees should 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 not to withdraw, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment formalities.