Generally, you can borrow money to buy a house after paying the provident fund for more than one year. The reason for this is the following：

1. First of all, the borrower who applies for a loan needs to establish a housing provident fund account for more than one year, and at the same time needs to pay the housing provident fund in full for more than one year. The normal deposit here refers to: continuous monthly deposit, prepayment and supplementary payment of housing provident fund;

2. Secondly, after the above conditions are met, the borrower's provident fund account must be in the state of deposit when applying for a loan;

3. In addition, for units that have passed the core examination and approval and are in a deferred payment state, their employees can apply for loans on the condition that they have established a housing provident fund account for 1 year or above and paid the housing provident fund in full for 1 year or above.

Although the loan conditions in different parts of the country are not exactly the same, the general loan applicant needs to meet the following conditions:

1. In accordance with the standards stipulated by the core management of housing provident fund in various provinces and cities, if the housing provident fund is continuously paid in full and meets the standards, and the borrower and his spouse have no housing provident fund loan debt and have not provided loan guarantees or auxiliary loans to other provident fund borrowers, they can apply for housing provident fund loans.

2. The purpose of applying for provident fund loans is to purchase, build, renovate, overhaul and decorate urban self-occupied housing. The owner of the house or the right to use the house purchases public housing; Immediate family members who live together with the owner or user of the house may apply for provident fund loans.

3. The borrower should have stable income, good personal credit and the ability to repay the principal and interest of the loan.

4, with the purchase, construction, renovation, overhaul and decoration of owner-occupied housing related procedures and land, construction, planning and other departments of the approval documents and the provisions of the proportion of self financing.

5. Provide guarantees that conform to the provisions of civil law and are recognized by the management.

6. Other prescribed conditions.

Those who meet these conditions can apply for housing provident fund loans.

Legal basis: Article 13 of the Regulations on the Administration of Housing Provident Fund.

The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.

The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

Article 14

The newly established unit shall, within 30 days from the date of establishment, go to the housing provident fund management center for registration of housing provident fund deposit, and within 20 days from the date of registration, go through the formalities for the establishment of housing provident fund accounts for its employees.

Where a unit is merged, divided, revoked, dissolved or bankrupt, the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center to handle the change or cancellation of registration, and handle the transfer or seal-up procedures for the employees of the unit within 20 days from the date of completing the change or cancellation of registration.

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How long can the provident fund loan buy a house?

Generally, the provident fund is paid 12 months or more, and you can borrow money to buy a house. Applicants who are preparing for loans must pay the provident fund for 12 months or more continuously to qualify for buying a house, and the provident fund paid within this 12 month must be paid continuously without interruption. Provident fund deposit 12 months or more. After this condition is met, it must be approved by the center. After the approval of the center, the bank will issue the loan to the applicant.

Regulations on the administration of housing provident fund

Article 17

The new employee starts to pay the housing provident fund from the second month after joining the work, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment 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. Article 26

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.

How long does it take to pay the provident fund to get a loan to buy a house?

How long does it take to borrow money to buy a house and pay the provident fund? In different cities, according to local regulations, the time to pay housing provident fund will be different. For example, some cities stipulate that you can use provident fund loans to buy a house after half a year. Some cities will extend the deposit time to one year before they can use the provident fund to buy a house.

If there is a demand for buying a house before, you can consult the staff of the provident fund, and the specific time is how long. In the meantime, you can make relevant preparations and find a work unit, which will pay the provident fund on time and deduct the salary from your personal bank card. To pay continuously, after such a long time, you can use the provident fund loan to buy a house. Moreover, there should be no break-off during the period, because this is also a standard condition for review.

You need to provide your own proof of payment when you apply, and the payment time is calculated according to the proof of payment issued by the local housing provident fund.

This is the end of the introduction about how much to pay for housing with provident fund loans and how many years to pay for housing with provident fund loans. I wonder if you have found the information you need?