1, permanent residence in the town where the loan is located, and valid residence certificate can be provided;
2. The housing provident fund has been continuously paid for more than 6 months before the loan, and the accumulated time of the provident fund deposit cannot be less than 12 months;
3. The self-financing of the first suite reaches more than 30% of the total price of the purchased house, including 30%, and the first home loan below 90 square meters only needs 20%.
Legal basis: Article 25 of the Regulations on the Administration of Housing Provident Fund.
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
What conditions do you need to withdraw the provident fund?
1. When purchasing, constructing, renovating or overhauling self-owned housing;
2. When retiring or reaching retirement age;
3, completely lose the ability to work, and terminate the labor relationship with the unit;
4. When the account moves out of the city or leaves the country to settle down;
5, non city workers transferred from the city;
6 workers to repay the principal and interest of housing loans, you can withdraw the balance of housing provident fund to offset;
7. When an employee dies or is declared dead.