You can borrow money to buy a house after paying the housing accumulation fund for more than 6- 12 months. The specific month needs to be determined according to your city. For cities like Beijing, Shanghai, Guangzhou and Shenzhen, you usually need to pay the provident fund for 6 months or more before you can apply. For example, Tianjin and Changsha require that the provident fund be continuously deposited for 12 months (inclusive) before loans can be made.

What is the process of buying a house with provident fund loans?

The process of housing provident fund loan is to choose a good house, pay a down payment, then apply to the management center, sign a contract after approval, apply for a mortgage loan, and then lend money.

Details are as follows:

1. Choose a house to buy according to your own needs, sign a house purchase agreement with the real estate developer or the original owner who sells the house, and pay a certain down payment to the other party.

2. Bring personal ID card, local household registration book or temporary residence permit, house purchase agreement, down payment receipt, provident fund deposit certificate and other related materials to the local housing provident fund management center to apply for a loan.

3. The Housing Provident Fund Management Center will conduct audit according to the information submitted by the customer and inquire about the customer's personal credit report. Relevant appraisal agencies will also be arranged to evaluate the value of the purchased property, and then the examination and approval results and appraisal report will be issued.

4. If the loan is approved, after receiving the relevant news notice, the customer should go to the outlet to sign the loan contract with the housing provident fund management center in time, and then go to the local housing management department to go through the mortgage registration formalities.

5. The entrusting bank will issue the loan funds to the bank card under the customer's name according to the instruction of the local housing provident fund management center, and then the system will transfer these funds to the designated collection account of the real estate developer or the original owner who sells the house.

What problems should I pay attention to when buying a house with a loan?

1. People with bad records can't get loans. If the loan applicant is blacklisted by the banking industry for some reason, whether intentionally or unintentionally, no matter which way is adopted, the loan cannot be successfully obtained from the bank;

2. A house without a title certificate cannot be loaned. Even if there are many real estate assets, if you don't apply for the title certificate, you can't apply to the appraisal company for appraisal, and the housing management department won't register the mortgage, so the unlicensed house can't evaluate the loan;

3. The houses built on this kind of land have not paid the land transfer fee. Like the houses on collective land, the housing management department cannot apply for mortgage registration, so it is impossible to borrow money;

Very old houses were built earlier, and some of them even belong to the dangerous house series. The banking department of such houses has regulations not to lend money or borrow money from banks;

5. Houses within the scope of demolition. The local housing management department has frozen the property files and cannot apply for value appraisal. The real estate department has not registered the mortgage, so it can't borrow from the bank.

If you need to buy a house when you have paid the provident fund, you can consider withdrawing the provident fund or using the provident fund loan. If you use the housing provident fund loan to buy a house, you need to pay the provident fund continuously for at least 6 months. Otherwise, you can't apply for provident fund loans to buy a house. In practice, different cities have different conditions, so there are actually some differences in the deposit time of provident fund needed for loan to buy a house. In some cities, deposits of at least 65,438+02 months are required.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: "Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund is used for employees to purchase, build, renovate or overhaul their own houses, and no unit or individual may use it for other purposes.