Can I get a loan if I repay the provident fund for six months?

You can't get a loan after paying the provident fund for six months.

According to the regulations, the provident fund must be continuously deposited for a certain month before applying for a loan. Every time you apply for a loan, you need to check the user's deposit record. Generally, it takes more than 6 months to apply for provident fund loans, and before applying for loans, it is necessary to repay the deposit period that was interrupted before.

The materials to be prepared for handling provident fund loans are generally as follows:

1, ID card, household registration book or residence certificate;

2, provident fund account information, including provident fund account bank, account number and other information;

3, housing purchase contract, housing property certificate or pre-sale contract and other housing related documents;

4 proof of income of the property buyers and their spouses, including proof of wage income, labor contract, social security payment certificate, etc. ;

5. Credit certificates of the buyers and their spouses, including personal credit reports and bank accounts.

Provident fund handling process:

1. Deposit and account opening: individuals need to go to the local provident fund management center for deposit and account opening, and need to bring ID cards, household registration books and other relevant documents and materials;

2. Deposit: individuals pay a certain percentage of wages or total wages every month according to their own conditions and needs. The deposit amount is generally paid by individuals and units;

3. Check account balance: individuals can know the balance and deposit of their provident fund accounts at any time through the local provident fund management center;

4. Withdrawal business: when individuals need to withdraw the provident fund, they can prepare relevant supporting materials according to different reasons and requirements, and go through the withdrawal procedures at the local provident fund management center;

5. Handling loans: If individuals need to handle housing provident fund loans, they can go to the local provident fund management center to handle loan application procedures according to their own conditions and needs, and need to bring relevant documents and materials, such as house purchase contracts and income certificates.

To sum up, provident fund loans also need to meet certain conditions and quota restrictions, and the specific requirements also need to be understood according to local relevant regulations.

Legal basis:

The "Regulations" of People's Republic of China (PRC) city housing provident fund management twenty-sixth.

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.