Generally, you can borrow money to buy a house by paying the provident fund for more than one year. The reasons are as follows:

1. First of all, the borrower who applies for a loan needs to establish a housing provident fund account for more than one year, and at the same time, he needs to pay the housing provident fund in full for more than one year. The normal deposit here refers to: continuous monthly deposit, advance payment and supplementary payment of housing provident fund;

2. Secondly, after the above conditions are met, the provident fund account of the borrower must be in the state of deposit when applying for a loan;

3. In addition, for the units that have been approved by the core and are in a deferred payment state, their employees can apply for loans if they have established housing provident fund accounts for one year or more and paid the housing provident fund in full for one year or more.

Although the loan conditions in different parts of the country are not exactly the same, the general loan applicants need to meet the following conditions:

1. If the continuous deposit of full housing provident fund meets the standards according to the standards set by the core management of housing provident fund in various provinces and cities, and the borrower and his spouse have no housing provident fund loan debts and have not provided loan guarantees or auxiliary loans to other provident fund borrowers, they can apply for housing provident fund loans.

2. The purpose of applying for provident fund loan is to purchase, build, rebuild, overhaul and decorate urban self-occupied housing. The owner of the house or the right to use the house to buy public housing; The immediate family members who live with the house owner or the right to use the house can apply for provident fund loans.

3. The borrower should have stable income, good personal credit and the ability to repay the principal and interest of the loan.

4. Having the relevant procedures for purchasing, building, rebuilding, overhauling and decorating owner-occupied housing, the approval documents from the departments of land, construction and planning, and the self-raised funds in a specified proportion.

5. provide guarantees that conform to the provisions of the civil code and are recognized by the management core.

6. Other specified conditions.

if you meet the above conditions, you can apply for housing provident fund loans.

legal basis: article 13 of the regulations on the administration of housing provident fund

the housing provident fund management center shall set up a special account for housing provident fund in the entrusted bank.

the unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for its employees. Each employee can only have one housing provident fund account.

the housing provident fund management center shall establish a detailed account of employees' housing provident fund to record the deposit and withdrawal of employees' individual housing provident fund.

Article 14

A newly established unit shall, within 3 days from the date of establishment, register the housing provident fund deposit with the housing provident fund management center, and within 2 days from the date of registration, go through the formalities for the establishment of housing provident fund accounts for its employees.

in case of merger, division, cancellation, dissolution or bankruptcy of a unit, the original unit or liquidation organization shall, within 3 days from the date of the above-mentioned situation, handle the registration of change or cancellation with the housing provident fund management center, and handle the transfer or sealing procedures for the employees of the unit within 2 days from the date of completing the registration of change or cancellation.