After paying the provident fund for one year, you can borrow up to 700 thousand to buy a house.

You can apply for a provident fund loan after paying the provident fund for one year (uninterrupted). The policy of provident fund loan amount is:

1, individuals can borrow up to 400,000 yuan, supplementary provident fund up to 500,000 yuan, couples can borrow up to 600,000 yuan, and one of them can borrow up to 700,000 yuan from supplementary provident fund;

2. The balance in the provident fund card is 15 times (for buying a second-hand house), and it is 20 times the balance in the card if buying a new house;

3. Loan amount of provident fund = {monthly contribution of provident fund/(individual contribution ratio unit contribution ratio) monthly contribution of provident fund /240%- repayment in other months} loan period.

Two, the housing provident fund one month 180 yuan. Can I borrow money to buy a house? How much can I bring?

To apply for a provident fund loan, you need to keep your account in a deposit state and pay it continuously for 6 months (in some places, it is stipulated as 12 months, subject to your local regulations). Bring your house purchase contract, ID card and household registration book. Marriage certificate, to the unit accounting, or provident fund management center, consulting for provident fund loans. The method of estimating the limit is to multiply your account balance by 20 times, and the upper limit is 450 thousand.

3. How much can I borrow to buy a house a year by paying the housing provident fund?

According to the relevant regulations, you don't need to pay the housing provident fund for one year to buy a house with a provident fund loan.

Relevant provisions of the Regulations on the Management 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.

Four, just started to pay the housing provident fund for one year, can I get a loan to buy a house?

First, individual urban workers and their units can apply for housing provident fund loans for one year in a row and use provident fund loans to buy houses. Second, the process of purchasing a house with provident fund loans: 1. The applicant borrower shall submit a written application for housing provident fund loan to the housing provident fund management center, and truthfully fill in the housing provident fund loan application form and related materials, such as: personal identity card, borrower's marriage certificate, income certificate of the applicant and spouse, original legal house purchase contract, stamp of the applicant and spouse, etc. 2. The first-instance housing provident fund management center conducts a first-instance review of the applicant's materials, including the applicant's qualification, loan amount and term. After passing the preliminary examination, the management center issued the Notice of Collateral Review and Evaluation. 3. After receiving the Notice of Collateral Examination and Evaluation, the appraisal applicant will take the notice to the designated appraisal institution to evaluate the value of the purchased house.