The rule is that you can apply after paying for half a year, and it is easier to apply after paying for 1 and 2 years, and then apply for a provident fund loan when buying a house, preferably with a maximum amount of 30W.
For example, if you buy 80 square meters (this area is practical for 1 family of three people), the total price is 400,000, the down payment is 30% 1.2 million, and the loan is 28W. About 85 square meters, you can use the provident fund loan as much as possible, and the loan is more than 30W.
If both husband and wife have provident fund, they can borrow from family provident fund with a maximum amount of 65W. However, the purchase restriction limits whether to buy a flat house with a price of 140 or how many flat houses (slightly different from place to place), so the tax burden and loans will be different.
The higher the annual interest rate, the better