1, as long as the loan money has not been broken for 6 consecutive months;
2. Or find a new unit to continue to pay the provident fund without interruption;
3. If the provident fund is paid temporarily, the account number will be blocked and the provident fund loan cannot be used.
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
Provident fund loans need to meet the following conditions:
1. On-the-job employees who have full capacity for civil conduct and have paid the housing provident fund in full;
2, continuous normal deposit of housing provident fund for more than twelve months;
3, in the administrative area of the purchase and construction of self-occupied housing, and has paid more than the prescribed down payment ratio of the purchase price;
4. Good personal credit, stable economic income and the ability to repay the loan principal and interest;
5. Agree to use the purchased house as loan collateral. Therefore, after resigning, you can't borrow money to buy a house unless you meet the conditions of continuous deposit of housing provident fund 12 months or more.
Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.
In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Provident fund is a measure for the state to protect citizens' housing by paying part by individuals and part by employers. It should be said that all employees need provident fund loans at present. Compared with commercial loans, provident fund has more advantages in loan interest. As long as there is a deposit in the provident fund account and there is a monthly deposit in the near future, the loan operation can be carried out according to the specific situation.