You can borrow money to buy a house after paying the housing provident fund for one year. At the same time, it is necessary to pay the housing provident fund in full for one year. Normal deposit refers to continuous monthly deposit, prepayment and supplementary payment of housing provident fund. When applying for a housing provident fund loan, four valid certificates of purchase price, four income certificates of the borrower and spouse, four original legal purchase contracts, and the seals of the borrower and spouse shall be submitted.

Provident fund loan process:

1. The borrower shall submit a written application to the municipal housing provident fund management center, fill in the housing provident fund loan application form and provide relevant information truthfully;

2, the city housing provident fund management center is responsible for the borrower's qualification, guarantor's qualification, loan amount and loan term review and the completion of the contract, the borrower and the center signed the relevant contract or agreement, and according to the provisions of the people's Bank of China for insurance;

3, after the completion of the loan procedures, the city housing provident fund management center issued a loan notice to the bank, the bank received the loan notice for loan issuance procedures;

4. When buying a house, the borrower can know the loan amount and monthly repayment amount by going to the bank to calculate according to his own provident fund payment. According to the relevant provisions of provident fund management, it is withdrawn once a year.

Legal basis: Article 24 of the Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund.

In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.