Legal analysis: You can borrow money to buy a house after paying the provident fund for 6 to 12 months or more. General conditions for housing provident fund loans: 1, 18 years old, a natural person with full civil capacity; 2, continuous full payment of housing provident fund loans for more than one year. 3. The purchased house is legal and the property rights are clear; 4. Have a stable income, good credit and the ability to repay loans on time; 5. The down payment for house purchase meets the requirements.

Legal basis: "Regulations on the Management of Housing Provident Fund" Article 9 The Housing Provident Fund Management Committee shall perform the following duties in the management of housing provident fund: (1) Formulate and adjust specific measures for the management of housing provident fund according to relevant laws, regulations and policies, and supervise the implementation; (two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund; (three) to determine the maximum loan amount of housing provident fund; (four) approval of housing provident fund collection and use plan; (five) to consider the housing provident fund value-added income distribution plan; (six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.