1. If the unit pays the housing provident fund, it needs to pay it in full for 6 months before it can use the housing provident fund loan to buy a house;

2. If an individual pays the housing provident fund, it will take 1 year to pay it in full before he can use the housing provident fund loan to buy a house.

So if you meet the conditions for the unit to pay the housing provident fund, you can use it for half a year.

Extended data:

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

New rules/regulations

Employees who have paid the housing provident fund in full for more than 6 months (inclusive) may apply for housing provident fund personal housing loans. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place.

References:

Baidu Encyclopedia _ Housing Provident Fund