These days, the amount of provident fund accounts across the country is in a hurry, and many buyers want to get the opportunity to buy a house with provident fund loans. However, in addition to the qualification to buy a house, the application for provident fund loans also requires conditions, that is, the deposit time of the provident fund, so how long does it take for the provident fund to apply for a loan?

After combing, we found that the requirements of the multi-site provident fund management center for the deposit time are: when applying for a loan, the borrower has continuously paid the provident fund in full for more than 6 months (inclusive), and the provident fund account is in the state of deposit.

Representative cities: Beijing, Shanghai, Guangzhou, Shenzhen, Harbin, Changchun, Shenyang, Taiyuan, Nanjing, Hangzhou, Baotou, Wuhan, Nanchang, Kunming, Fuzhou, Jinan, Urumqi and Haikou.

Some cities still require a continuous deposit of 12 months (inclusive) to obtain loans.

Representative cities: Tianjin and Changsha.

Places that need special attention

Some places use provident fund loans to purchase policy-oriented housing, and the time for deposit is different from that of ordinary commercial housing.

For example, in Beijing, borrowers are required to pay the provident fund in full for more than 12 months (inclusive);

In some places, the deposit time of special people is more relaxed.

For example, in Yangzhou, families of low-income workers can apply for provident fund loans if they are required to pay in full for three months or more.

List of Time Requirements for Deposit of Provident Fund in 20 Cities in China

In addition to the deposit time, if you want to apply for provident fund loans, you need to meet several conditions:

1, with legal and valid identity, refers to the need to meet the China people's * * * and China nationality and valid identity cards;

2. Have full capacity for civil conduct;

3. Good credit and stable income;

4, with the local real estate registration department to confirm the purchase contract or agreement, and can handle the mortgage and guarantee procedures;

5. Pay a certain down payment according to the regulations.

Note: The deposit time and application conditions vary slightly from place to place. Please consult the local provident fund center for specific implementation.

(The above answers were published on 20 17-03-20. Please refer to the actual situation for the current purchase policy. )

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