Details are as follows:

1, permanent residence in the town where the loan is located, and valid residence certificate can be provided;

2. The housing provident fund has been continuously paid for more than 6 months before the loan, and the accumulated time of the provident fund deposit cannot be less than 12 months;

3. The self-financing of the first suite reaches more than 30% of the total price of the purchased house, including 30%, and the first home loan below 90 square meters only needs 20%.

The longest period of provident fund loans should exceed 5 years after the borrower's statutory retirement age, that is, men are 65 years old and women are 60 years old; On-the-job employees of the unit need to sign labor contracts for more than 3 years; Normal continuous monthly housing provident fund deposit exceeds a certain period; If it is not beyond the statutory retirement age. The longest term of provident fund loans shall not exceed 30 years.

Application conditions: (1) having a legal and valid identity certificate; On-the-job employees who have paid housing provident fund in the housing provident fund management center and retired employees who have paid housing provident fund during their employment, or other borrowers who meet the conditions of Beijing Housing Provident Fund management center in accordance with relevant state regulations. (2) Having full capacity for civil conduct; (3) Having a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan; (four) the purchase, construction, renovation, overhaul occupied housing; (five) with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents; (six) in line with the provisions of the client on the deposit conditions of the loan housing provident fund; If the loan applicant is an on-the-job employee, he/she must establish a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and overdue payment), and he/she is in the state of payment when applying for a loan. With the approval of the center, the employees of the units in deferred payment status can apply for loans under the condition that they have established the housing provident fund account 12 months or more and paid the housing provident fund in full 12 months or more. (seven) to provide a guarantee recognized by the client; (eight) the borrower and his wife have no outstanding housing provident fund loans and housing provident fund policy discount loans; (nine) the loan amount for the purchase of affordable housing and other policy-oriented housing shall not exceed 90% of the assessed value of the house or the actual purchase price (whichever is lower); The loan amount for purchasing other houses shall not exceed 80% of the appraised value of the house or the actual purchase price (whichever is lower).

To sum up, it is Bian Xiao's relevant answer about how much money the provident fund can save to buy a house. I hope it will help you.

Legal basis:

Article 25 of the Regulations on the Management of Housing Provident Fund

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.