What are the conditions for buying a house with a provident fund loan?

To apply for housing provident fund loans to buy a house, you need to meet the following conditions:

1. The applicant and co-borrower shall continuously pay the housing provident fund in full and on schedule for at least 6 months. And the housing provident fund account is in a normal deposit state.

2. No provident fund loan balance.

3, the first or second time for housing provident fund loans.

4. The loan is used for purchase, construction, renewal and overhaul.

5. The down payment for house purchase shall not be less than the specified proportion. Housing provident fund loans, the down payment ratio varies from place to place, usually not less than 20% of the total house price.

6. Be able to implement loan guarantee.

The specific extraction process of provident fund is as follows:

1, I need to apply to the provident fund center. I provide a copy of my real ID card and provide relevant supporting materials to the unit as required. After verification by the unit, fill in the Application Form for Housing Provident Fund Extraction and affix the reserved seal;

2. With personal documents, application forms and corresponding supporting materials, go to the housing provident fund management department where the employee originally paid the provident fund to open an account;

3. After reviewing the materials provided by the employees, the staff will extract and review the employees, print the acceptance receipt, and then submit it to the employees for confirmation, and hand over the copy of the acceptance receipt 1 copy and the original supporting materials to the employees;

4, the extraction of housing provident fund into the employee's own housing provident fund joint card savings account.