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; The immediate family members who live together with the house owner or the right to use the house can apply for provident fund loans;
3. The borrower must 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 the civil law and are recognized by the management;
6. Other prescribed conditions.
To sum up, one of the conditions for buying a house with provident fund loans is that the lender needs to pay the housing provident fund in full for more than one year.
Legal basis:
Article 13 of the Regulations on the Management 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.