Legal subjectivity: You can use provident fund loans to buy a house, but you need to meet specified conditions.

Therefore, it does not mean that as long as you have paid into the housing provident fund, you will definitely be able to buy a house with a provident fund loan.

Required conditions for provident fund loans to buy a house: 1. According to provident fund loan requirements, home buyers must have their own provident fund account number, and pay local housing provident funds in full and on time for more than half a year or more than one year. In addition, the lender needs to have good credit and be able to repay the loan.

The ability to pay principal and interest.

2. Urban employees and their units must pay housing provident funds continuously for one year; the borrower must purchase affordable housing approved by the lender; have a permanent urban residence or valid residence status; have a stable occupation and income, and be able to repay

The ability to borrow principal and interest; have a contract or relevant supporting documents to purchase a house; 3. The borrower agrees to mortgage the property listed under the "Housing Sales Contract" signed between it and the developer to the lender, giving the lender priority mortgage rights and the right to receive the loan;

The right to repay, as a guarantee for the repayment of principal and interest; 4. The borrower has the ability to pay no less than 30% of the funds required to purchase the house; 5. Other conditions stipulated by the lender.

Article 26 of the "Housing Provident Fund Management Regulations" Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes.

The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures.

The risks of housing provident fund loans are borne by the housing provident fund management center.

The law is objective: Article 24 of the "Regulations on the Administration of Housing Provident Fund" If an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account: (1) Purchasing, constructing, renovating, or overhauling a self-occupied house; (6)

) 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, when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.

If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.

Article 25 of the "Housing Provident Fund Management Regulations" When employees withdraw the balance in the housing provident fund account, the unit where they work shall verify it and issue a withdrawal certificate.

Employees should apply to the Housing Provident Fund Management Center to withdraw housing provident funds with the withdrawal certificate.

The Housing Provident Fund Management Center shall make a decision on whether to approve the withdrawal or not to allow the withdrawal within 3 days from the date of accepting the application, and notify the applicant; if the withdrawal is approved, the entrusted bank shall handle the payment procedures.

Article 24 of the "Housing Provident Fund Management Regulations" If an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account: (1) Purchasing, constructing, renovating, or overhauling self-occupied housing; (6) The rent exceeds

A prescribed proportion of family wage income.

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

If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.

Article 25 of the "Housing Provident Fund Management Regulations" When employees withdraw the balance in the housing provident fund account, the unit where they work shall verify it and issue a withdrawal certificate.

Employees should apply to the Housing Provident Fund Management Center to withdraw housing provident funds with the withdrawal certificate.

The Housing Provident Fund Management Center shall make a decision on whether to approve the withdrawal or not to allow the withdrawal within 3 days from the date of accepting the application, and notify the applicant; if the withdrawal is approved, the entrusted bank shall handle the payment procedures.