Only by paying the housing provident fund can you apply for a provident fund loan. Previously, only employees who paid the provident fund could apply for provident fund loans. Now flexible employees can also pay provident fund or apply for provident fund loans.

At present, flexible employees have participated in the housing provident fund system in Guangzhou, Suzhou, Chongqing, Changzhou, Chengdu, Shenzhen and other cities.

At present, there are as many as 200 million flexible employees, and their rights and interests need to be protected. Encouraging flexible employees to sign up for the housing provident fund system is conducive to improving the coverage of public housing provident fund services, helping these people settle down and work stably in cities, and stimulating the vitality of new economic entities.

Conditions for flexible employment payers to apply for provident fund loans:

First, the purchased house has a purchase contract or agreement confirmed by the real estate registration department where the house is located, and the mortgage and guarantee procedures can be handled;

2. Accumulated deposit participation time is not less than 24 months, and continuous deposit is made within 6 months before the loan. If the employees are transferred from the unit to the flexible employees or the depositors are transferred from other places, the deposit time can be calculated together, but they have been paid as flexible employees in Guangzhou for at least 6 months before the loan;

Three, according to the provisions of the first payment of housing;

Fourth, the purchase of housing is the first set of self-occupied housing for the family;

Five, a stable source of income, the ability to repay the loan principal and interest;

6. Have a good credit record;

Seven, unused housing provident fund loans.