generally speaking, only those who have paid the provident fund for one year or more in a row and the monthly contribution of the provident fund meets the local minimum standards can be counted in the provident fund loan.

provident fund is a social welfare system which is paid by both individuals and employers, and is used to provide housing consumption for employees, improve their lives, attract workers' employment and promote economic development. The provident fund loan means that employees can use their own provident fund as a part of the source of funds for mortgage loans. So how many years do employees need to pay the provident fund to meet the conditions of provident fund loans? According to relevant regulations, different regions and different banks have different requirements for provident fund loans. But in general, generally speaking, employees need to pay the provident fund for one year or more in a row, and the monthly contribution of the provident fund meets the local minimum standards before they can be counted in the provident fund loan. In addition, different banks may also evaluate and review factors such as personal job stability and income level. If necessary, employees need to provide corresponding loan materials, such as personal identity certificate, salary running water, real estate certificate, etc.

if I haven't paid the provident fund for more than one year, can I still get a provident fund loan? If employees have not paid the provident fund continuously for more than one year, they will not be able to obtain provident fund loans under normal circumstances. However, different banks have different requirements for provident fund loans. You can consult local banking institutions to understand specific policies and regulations.

provident fund loan is a convenient mortgage method, but employees need to meet certain conditions before they can apply. Specifically, it is necessary to continuously pay the provident fund for one year or more, and the monthly contribution of the provident fund should meet the local minimum standards. If these conditions are not met, you cannot enjoy the benefits of provident fund loans.

Legal basis:

Article 24 of the Regulations on the Administration of Housing Provident Fund, the borrower of provident fund loan shall meet the following conditions: (1) continuously paying housing provident fund within the prescribed time limit; (two) the deposit base is not less than 15 of the local minimum wage; (3) Having the ability to repay loans; (four) other conditions in accordance with state regulations. "The regulations point out that when employees apply for provident fund loans, they must meet the prescribed time limit and deposit base requirements to meet the conditions of provident fund loans.