1. Generally, you can apply for provident fund loans after continuous deposit for more than 6 months or accumulated deposit for more than 12 months. Generally, the withholding amount is 8%- 10% of the salary, with half for the unit and half for the individual. Applying for provident fund has nothing to do with how long you work, but depends on how long you pay after work.

Two, commercial housing housing provident fund loans to provide materials

(1) The borrower and the original and photocopy of the borrower's resident ID card and household registration book (* * * with repayment and guarantor) and * * * with repayment commitment letter;

(2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station);

(3) Legal commercial housing purchase contract or agreement;

(4) Personal credit certificate provided by the borrower and the borrower's unit;

(5) Effective proof that the borrower has paid not less than 30% of the house purchase price;

(6) List of mortgaged property and pledged property, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of mortgage evaluation issued by relevant departments;

(7) The auction property of housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.

Extended data

If an employee is transferred out of the unit due to work change or terminates the labor relationship with the original unit, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and the unit shall fill out the Inventory of Housing Provident Fund Change and the Certificate of Housing Provident Fund Transfer, and go to the entrusted bank to handle the transfer or sealing procedures of employee housing provident fund.

If the employee leaves the work unit and only interrupts the wage relationship but still retains the labor relationship, the deposit of the housing provident fund will be interrupted during the interruption period, but the employee housing provident fund account will remain unchanged, and the remaining housing provident fund principal and interest will remain in the employee housing provident fund account. The unit shall handle the sealing procedures for the employees. The storage of employee housing provident fund is only applicable to the housing provident fund management of employees who have interrupted their wage relations but still retain their labor relations. During the storage period of employee housing provident fund, if it meets the extraction conditions, the unit shall handle the extraction procedures on its behalf.

Refer to Baidu Encyclopedia Provident Fund