After all, every region is different, some for a year, some for half a year. See what area, so it depends on your local situation.
2. Can I use the housing provident fund loan after just joining the work for 6 months?
Hello, if it is a Shenzhen housing provident fund loan, the applicant only needs to pay the housing provident fund in full and on time within 6 months before the month of applying for the loan, and the provident fund account is in a normal state of payment when applying for the loan. (* * * If the applicant participates in quota calculation, the above conditions also need to be met. Those who do not meet the above conditions can only be the same applicant as * * *, but do not participate in the quota calculation).
3. Can I use the housing provident fund loan after just working for one year? How much can I borrow?
If your provident fund has been paid for more than half a year, most of it can't be used at present, and you can only use it where you have paid the provident fund. If you comprehensively measure the balance of your provident fund and the deposit time, you can only repay the loan for one year.
4. How long can I use the provident fund loan to buy a house?
Legal analysis: new employees start to pay housing provident fund from the second month of work. After paying the housing provident fund, employees who purchase, build, renovate or overhaul their own houses may apply to the housing provident fund management center for housing provident fund loans.
Legal basis: Regulations on the Management of Housing Provident Fund
Seventeenth new employees began to pay the housing provident fund from the second month of work, and the monthly deposit amount was the employee's own salary multiplied by the employee's housing provident fund deposit 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.
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.