Local accounts, you need to pay for 6 months in a row to apply for provident fund loans; For foreign accounts, it takes 12 months to apply for provident fund loans. If the account is not paid continuously due to special circumstances such as job changes, you can apply to the loan acceptance institution for reconsideration of the provident fund loan after the normal remittance is resumed and the missed payment month is paid back. If the reconsideration is passed, you can apply for a provident fund loan.