If the unit needs to pay the housing provident fund in full for 6 months, it can use the housing provident fund loan to buy a house. Individuals who pay the housing provident fund need to pay 1 year in full before they can use the housing provident fund loan to buy a house. Housing accumulation fund refers to the long-term housing accumulation fund 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.

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 the housing provident fund deposit in different places but less than 6 months in the current deposit place, the deposit time can be calculated according to the deposit certificate issued by the housing provident fund management center of the original deposit place.

What are the application conditions for provident fund loans?

1, urban workers and their units must pay the housing accumulation fund for more than one year.

2. When the applicant purchases a commercial house, the down payment must be self-raised funds not less than 30% of the total housing price.

3. The applicant's economic income is stable and he has the ability to repay the loan principal and interest.

4. The applicant has good personal credit and no bad credit record.

4. If both husband and wife have paid off the housing provident fund, only one party is allowed to apply for a housing provident fund loan.

A family can only apply for a housing provident fund loan at a time when buying a house.

6, the applicant should have the province (city) permanent residence or valid residence status.

7. The applicant agrees to use the purchased house as collateral.