Employees can use provident fund loans to purchase second-hand houses.

Required materials:

(1) Original and copy of real estate certificate;

(2) Original and copy of deed tax payment certificate;

(3) The original and copy of the employee’s ID card for provident fund withdrawal;

(4) The employee’s bank savings account for provident fund withdrawal; for the employee’s spouse’s housing provident fund withdrawal, in addition to the above information, It is necessary to provide the original and copy of the certificate of marital relationship, and a copy of the provident fund withdrawal record of the main house buyer.

According to the "Housing Provident Fund Management Regulations"

Article 24

If an employee has any of the following circumstances, he or she may withdraw the funds stored in the employee's housing provident fund account Balance:

(1) Purchasing, constructing, renovating or overhauling self-occupied housing;

(2) Retirement or retirement;

(3) Complete Losing the ability to work and terminating the labor relationship with the employer;

(4) Leaving the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

( 6) The rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.

If an employee dies or is declared dead, the employee’s heirs and legatees can withdraw the balance in the employee’s housing provident fund account; if there is no heir or legatee, the balance in the employee’s housing provident fund account can be withdrawn. Included in the value-added income of the housing provident fund.

Article 25

If an employee withdraws the balance in the housing provident fund account, the employer shall verify it and issue a withdrawal certificate.

Employees should apply to the Housing Provident Fund Management Center to withdraw housing provident funds with the withdrawal certificate. The Housing Provident Fund Management Center shall make a decision on whether to approve the withdrawal or not to allow the withdrawal within 3 days from the date of accepting the application, and notify the applicant; if the withdrawal is approved, the entrusted bank shall handle the payment procedures.