1. Can the housing provident fund be used to buy a house by loan? Housing provident fund can be used to buy a house by loan. Application conditions: (1) having a legal and valid identity certificate; On-the-job employees who have paid housing provident fund in the housing provident fund management center and retired employees who have paid housing provident fund during their employment, or other borrowers who meet the conditions of Beijing Housing Provident Fund management center in accordance with relevant state regulations. (2) Having full capacity for civil conduct; (3) Having a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan; (four) the purchase, construction, renovation, overhaul occupied housing; (five) with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents; (six) in line with the provisions of the client on the deposit conditions of the loan housing provident fund; If the loan applicant is an on-the-job employee, he/she must establish a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and overdue payment), and he/she is in the state of payment when applying for a loan. With the approval of the center, the employees of the units in deferred payment status can apply for loans under 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. (seven) to provide a guarantee recognized by the client; (eight) the borrower and his wife have no outstanding housing provident fund loans and housing provident fund policy discount loans; (nine) the loan amount for the purchase of affordable housing and other policy-oriented housing shall not exceed 90% of the assessed value of the house or the actual purchase price (whichever is lower); The loan amount for purchasing other houses shall not exceed 80% of the appraised value of the house or the actual purchase price (whichever is lower). 2. Housing provident fund loans 1. Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. 2. Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of personal housing provident fund loans in Guangzhou is 500,000 yuan, and that in Beijing is 800,000 yuan. If the rating is 3A, the maximum can reach 800,000 * (1+30%) =1040,000. 3. Secondly, the maximum loan amount of the housing provident fund does not exceed 70% of the total purchase price; Formula for loan amount of housing provident fund: sum of individual monthly contributions of the borrower and spouse to the provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan term (longest loanable term). If the contribution ratio of both husband and wife is inconsistent, the actual contribution ratio shall be determined according to the higher one. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse. When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.