The conditions of provident fund loans are as follows: 1. The loan applicant must set up a residence provident fund account for 12 months (inclusive) or more; 2. The housing accumulation fund has been paid in full and normally for more than 12 months (inclusive), and it is in the state of payment when applying for a loan; 3. Provident fund loans and policy discount loans have been paid off.

You can also apply for provident fund loans in the following two situations: 1) If you have retired, you only need to pay the provident fund within your working years, and you can still apply for provident fund loans before you are 70 years old; 2) If you are a local hukou, but you have paid the provident fund in other places, you can also ask for it locally, as long as you have the "proof of payment" issued by the provident fund management base in your "workplace".

What are the repayment methods of provident fund in different places?

The repayment method of provident fund in different places is as follows: 1, and the repayment method of equal principal and interest every month. During the loan period, the loan principal and interest shall be repaid in equal amount every month. The characteristic of this method is that the repaid principal increases month by month and the interest decreases month by month. The calculation formula is: monthly repayment amount = total loan amount × monthly interest rate ×[( 1+ monthly interest rate]]. This symbol is called "power", and the specific number of power is the total number of months of repayment.

For example, "= 12" means that the total number of repayment months is 12 months. Total repayment months /( 1+ monthly interest rate) Total repayment months-1], which is convenient and easy to remember, and suitable for employees with little change in expected income.

2. average capital Monthly Repayment Law. During the loan period, the loan principal will be repaid at a monthly rate of & The characteristic of this method is that the loan interest decreases month by month with the principal, and the calculation formula is: monthly repayment amount = loan principal &; Leather; Number of repayment periods+(loan principal-accumulated principal repayment amount) × monthly interest rate

This method has great repayment pressure at the initial stage of the loan, and then gradually decreases, which is suitable for employees with strong current contribution ability but expected income decline. When the borrower repays the loan, the principal and interest of the loan shall be deposited in the repayment account opened by the borrower in advance according to the repayment date agreed in the loan contract, and the entrusted bank shall deduct it from the borrower's repayment account on time every month.

3. Free repayment method. This repayment method is relatively free. The housing provident fund management center will determine a minimum repayment amount according to the loan term and loan amount, and the monthly repayment amount can be adjusted as long as it is not lower than the minimum repayment amount.