Legal analysis: The core requirements for the payment time of provident fund management in many places are: when applying for a loan, the borrower must pay the provident fund in full for more than 6 months (inclusive), and the provident fund account is in the deposit status , representative cities include Beijing, Shanghai, Guangzhou, Shenzhen, Harbin, Changchun, Shenyang, Taiyuan, Nanjing, Hangzhou, Baotou, Wuhan, Nanchang, Kunming, Fuzhou, Jinan, Urumqi, and Haikou; some cities still require continuous deposits for 12 months (Inclusive) The above-mentioned loans can be obtained, such as Tianjin and Changsha.

It should be noted that in some places, when applying for a provident fund loan to purchase policy housing, the payment time may be different from that of ordinary housing. For example, in Beijing, borrowers are required to pay the provident fund in full for more than 12 months (inclusive). ; Some places have looser payment time for special groups, such as Yangzhou, which requires families with low-income workers to have paid in full for more than three months (inclusive) before they can apply for a provident fund loan.

Legal basis: "Regulations on the Administration of Housing Provident Funds"

Article 2: These regulations apply to the deposit, withdrawal, use, management and management of housing provident funds within the territory of the People's Republic of China and the People's Republic of China. supervision. The term “housing provident fund” as mentioned in these Regulations refers to state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social groups (hereinafter collectively referred to as units) and their employees Contributions to long-term housing savings.

Article 3 The housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for the employee shall belong to the individual employee.