Those who have worked for 6 months or more can use housing provident fund loans. Conditions for applying for housing provident fund loan: The individual has paid the provident fund in 300 yuan for more than 6 consecutive months, has good personal credit, and the loan age is 25-55 years old. The documents to be carried include personal identity, marriage certificate, income certificate, bank account, provident fund card and address certificate.

According to Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund to purchase, build, renovate or overhaul their own houses can apply for housing provident fund loans from the housing provident fund management center, and should make a decision on whether to grant loans within 15 days from the date of acceptance, and notify the applicant. Allow loans to be handled by the entrusted bank.

Article 19 of the Regulations on the Management of Housing Provident Fund stipulates that the unit shall remit the occupational housing provident fund paid by the unit and remitted for employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall open an account for employees' housing provident fund account.