How long does it take to pay the housing provident fund before you can get a loan to buy a house? If you have paid the provident fund continuously for more than six months, you can apply for a provident fund loan.

What conditions must be met for a personal housing provident fund loan? The main contents are as follows: 1. The borrower has full capacity for civil conduct; 2. Has a formal urban household registration or valid residence status in this city; 3. Has stable economic income, good credit, and has the ability to repay the loan.

Ability to pay principal and interest; 4. Pay the housing provident fund normally before borrowing and pay continuously for more than six months; 5. Be able to provide a valid contract or agreement to purchase a self-occupied house; 6. The borrower and the buyer in the house purchase contract must be consistent, and the purchase*

**Those with property rights (except spouses)*** Someone must issue a written commitment to agree to the housing mortgage; 7. Have self-owned funds not less than 30% of the value of the self-occupied house (more than 40% of the second-hand house); 8

, The borrower agrees to handle housing mortgage and insurance; 9. If purchasing commercial housing, the developer shall provide a periodic guarantee and submit relevant credit materials; 10. The borrower agrees to open a personal account at the loan undertaking bank, and agrees to be provided by the loan

The sponsoring bank transfers the principal and interest of the loan directly from the account every month.

Article 19 of the "Regulations on the Administration of Housing Provident Funds" The housing provident funds paid by individual employees shall be withheld and paid by the employer from their wages every month.

The unit shall remit the housing provident fund deposited by the unit and paid on behalf of the employees to a special housing provident fund account within 5 days of the monthly payment of employee wages, and the entrusted bank shall include it in the employee housing provident fund account.

Warm reminder: The above answers are only based on the current information and my understanding of the law. Please refer to it with caution!

If you still have questions about this issue, it is recommended that you sort out the relevant information and communicate with professionals in detail.

How long does it take to pay provident fund before you can get a loan to buy a house? How long does it take to pay provident fund before you can get a loan to buy a house? In different cities, according to local regulations, the time for paying housing provident fund will also be different.

For example, some cities stipulate that after paying for six months, you can use provident fund loans to buy a house.

In some cities, the payment time will be extended to one year before the provident fund can be used to buy a house.

If you have the need to buy a house, you can consult the provident fund staff for the specific time.

During this period, you can make relevant preparations and find a work unit that pays provident funds on time and deducts wages from your personal bank card.

After paying continuously for such a long time, you can use the provident fund loan to buy a house.

And there should be no severance of diplomatic relations during this period, because this is also a standard condition for review.

When applying specifically, you need to provide proof of your payment, and the payment time is calculated based on the combination of payment certificates issued by the local housing provident fund.

You can get a loan after you have paid the provident fund for several years. You can get a loan after you have paid the provident fund for 6 months or more, or you can get a loan after one year. The specific payment time depends on local regulations.

Cities like Beijing, Shanghai, Guangzhou, Shenzhen and other cities generally require provident fund deposits for 6 months or more before you can apply; cities like Tianjin and Changsha require provident fund deposits for more than one year (inclusive) before you can apply for a loan.

Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

The higher the provident fund account balance, the higher the loan amount applied for.

What documents are needed to apply for a provident fund loan? 1. House sales contract (original and 2 copies); 2. Transferred house deed (original and 1 copy); 3. Transferred house appraisal (1 original);

4. Down payment voucher (original and 1 copy); 5. Identity cards of the borrower and his spouse (original and 2 copies); 6. Household register or household registration certificate of the borrower and his spouse (original and 1 copy)

7. Marriage certificate, and unmarried certificate (including 2 copies) issued by the marriage registration office in the place where the household registration is located for those who are unmarried (including divorced); 8. Loan applicants who work in five counties (cities) need to provide local housing provident fund

The original certificate of normal payment and deposit of housing provident fund issued by the management center for one consecutive year; 9. If applying for a housing provident fund combination loan, a copy of each of the above materials 1-7 must be added and the original income certificate of the unit must be provided.

How long does it take to pay the housing provident fund before I can get a loan to buy a house?

1. If the housing provident fund is paid by an employer, it must be paid in full for 6 months before the housing provident fund loan can be used to buy a house; 2. If the housing provident fund is paid by an individual, the housing provident fund must be paid in full for 1 year before the housing provident fund can be used.

Get a loan to buy a house.

So if you meet the conditions for housing provident fund payment by your employer, you can use it in half a year.