Provident fund loans to buy a house, men can borrow up to 65 years old, and women can borrow up to 60 years old.

The loan period is at most 70 years old and cannot exceed 30 years at the same time. The loan period for purchasing second-hand houses also needs to be less than the remaining use period of housing land for more than 3 years. Provident fund loans to buy a house, men can borrow up to 65 years old, and women can borrow up to 60 years old.

Conditions for withdrawal of provident fund:

1. Provident fund account balance requirements: the balance of the provident fund account must be greater than or equal to the minimum withdrawal amount specified by the local provident fund management center;

2. Reasons for withdrawal: The withdrawal of provident fund must conform to the withdrawal reasons stipulated by the local provident fund management center, such as house purchase withdrawal, serious illness medical treatment, children's education, etc.

3. Deposit time requirement: the provident fund account must meet the deposit time requirement stipulated by the local provident fund management center. Generally, individual provident fund accounts are required to be deposited for at least 6 months, and the specific time standard may be slightly different;

4. Relevant certification materials: relevant certification materials are required for the withdrawal of provident fund, such as purchase contract, real estate license and other materials for the withdrawal of house purchase, and medical certificate and other materials for the withdrawal of serious illness.

To sum up, different regions, different banks or different withdrawal reasons may have different requirements for provident fund withdrawal, so you need to read the local regulations and requirements carefully before applying to avoid omitting necessary materials and affecting your application.

Legal basis:

Article 24 of the Regulations on the Management of Housing Provident Fund

In any of the following circumstances, employees may withdraw the storage balance in the employee 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.