The loan policies of Ji 'an provident fund are as follows:

1. Loan targets: eligible employees and retired employees;

2. loan purpose: used to purchase owner-occupied housing, overhaul or transform owner-occupied housing;

3. Loan amount: the maximum amount shall not exceed 7% of the balance of the provident fund account;

4. Repayment period: the longest period is not more than 3 years, and the specific repayment period depends on the purpose and amount of the loan;

5. interest rate: the benchmark interest rate of bank loans for the same period shall be implemented, which is currently 4.65%;

6. repayment method: the borrower can choose from various repayment methods such as equal principal and interest repayment and equal principal repayment;

7. Application conditions: The specific application conditions are determined according to local policies and regulations. Generally, the following conditions need to be met: having a household registration in this city or having continuously paid the provident fund in this city for more than one year, and having no bad credit record.

The process of applying for provident fund is as follows:

1. Understand relevant policies and requirements: Before applying for provident fund, employees need to understand the policies and requirements of local provident fund, including the requirements of application conditions, withdrawal amount and application materials;

2. Prepare application materials: employees need to prepare materials needed to apply for provident fund, including their ID card, household registration book, work certificate, provident fund account information, etc.

3. Fill in the application form: employees need to fill in the application form for provident fund withdrawal, and fill in the relevant information and application amount on the form;

4. Submit application materials: The employee will submit the completed application form and related materials to the local provident fund management center, or apply online through the online processing system;

5. Review the application materials: The provident fund management center will review the application materials of employees, and if it finds that the materials are incomplete or do not meet the requirements, it will ask employees to supplement or modify them;

6. Approval of withdrawal application: If the employee's application materials are approved, the provident fund management center will approve the employee's withdrawal application, and then remit the withdrawal amount to the bank account designated by the employee;

7. Withdrawal amount: After receiving the withdrawal remittance from the provident fund management center, employees can go to the designated bank or their own bank account to withdraw the corresponding amount.

to sum up, the application process and specific requirements of provident fund in different regions and units may be different, and the specific process needs to be determined according to relevant local regulations and policies. When employees apply for provident fund, they should apply and review in accordance with the prescribed procedures and requirements to ensure that the applied funds are legal and compliant.

Legal basis:

Article 16 of the Regulations of the People's Republic of China on the Administration of Housing Provident Fund

The monthly contribution of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the contribution ratio of employee housing provident fund. The monthly deposit amount of the housing provident fund paid by the unit for the employees is the average monthly salary of the employees in the previous year multiplied by the proportion of the housing provident fund paid by the unit.

article 17

new employees begin to pay housing provident fund from the second month of their work, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.