2. The loan applicant must establish a housing provident fund account for more than 65,438+02 months, and pay the housing provident fund in full for more than 65,438+02 months (normal deposit includes continuous monthly deposit, advance payment and supplementary payment of housing provident fund), and be in the state of deposit when applying for a loan.
3. For the units that are in deferred payment status with the approval of the center, their employees can apply for loans on the condition that they have established the housing provident fund account 12 months or more and paid the housing provident fund in full 12 months or more.
Legal basis: Article 17 of the Regulations on the Management of Housing Provident Fund in People's Republic of China (PRC), new employees start to pay housing provident fund from the second month of work, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.