1, permanent residence in the town where the loan is located, and valid residence certificate can be provided;
2. The housing provident fund has been continuously paid for more than 6 months before the loan, and the accumulated time of the provident fund deposit cannot be less than 12 months;
3. The self-financing of the first suite reaches more than 30% of the total price of the purchased house, including 30%, and the first home loan below 90 square meters only needs 20%.
Provident fund loans shall not exceed 5 years after the borrower's statutory retirement age, that is, men shall reach 65 years of age and women shall reach 60 years of age; The employees of the unit have signed labor contracts for more than 3 years; Normal continuous monthly housing provident fund deposit exceeds a certain period; Do not exceed the statutory retirement age. The longest term of provident fund loans shall not exceed 30 years. Portfolio loans, provident fund loans and commercial housing loans must have the same term. In the case of buying a house and using a mortgage, you can withdraw the housing provident fund once a month; When withdrawing housing provident fund in the case of one-time payment, employees and their spouses can withdraw housing provident fund in full once every quarter, up to four times a year.
Legal basis: Article 25 of the Regulations on the Administration of Housing Provident Fund.
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.
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.