If you pay personal provident fund for six to twelve months, you can get a loan to buy a house.

Process of provident fund loan:

1. Application. The borrower should submit a written application for a housing provident fund loan to the housing provident fund management center, and truthfully fill in the housing provident fund loan application form and relevant information, such as: personal ID card, borrower's marriage certificate, income certificate of the applicant and spouse, legal Original house purchase contract, seals of the applicant and spouse, etc.;

2. Preliminary review. The Housing Provident Fund Management Center will conduct a preliminary review of the applicant's materials, including the applicant's qualifications, loan amount, term, etc. After passing the preliminary review, the Management Center will issue a "Collateral Review and Assessment Notice";

3. Evaluation. After receiving the "Collateral Review and Appraisal Notice", the applicant should take the notice to the designated appraisal agency to conduct a value appraisal of the house to be purchased. If it is an affordable house, there is no need for appraisal;

4. Review. After the applicant obtains the "Evaluation Report" issued by the evaluation agency, he will take the "Evaluation Report" and preliminary review materials to the Provident Fund Management Center for payment review. If the review is passed, the management center will issue a "Housing Fund Management Center Guaranteed Entrusted Loan Investigation Notice" one".

Legal basis: Article 5 of the "Housing Provident Fund Management Regulations"

The housing provident fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may misappropriate it. He uses.

Article 26

Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating or overhauling their own homes. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center.