1, then if the unit pays the housing provident fund, it needs to pay it in full for six months before it can use the housing provident fund loan to buy a house.

2. Individuals who pay the housing provident fund can only use the housing provident fund loan to buy a house after one year of full payment. Therefore, if the unit meets the conditions for paying the housing provident fund, it can be used for half a year. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

3. Employees who have paid the housing provident fund in full for more than six months (inclusive) can apply for individual housing loans from the housing provident fund. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than six months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place.

legal ground

"Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.