It has influence, generally in two aspects: provident fund loan amount and account status.

1. Provident Fund loan limit

The provident fund loan limit is determined based on several conditions: loan repayment ability, house price ratio, housing provident fund account balance and loan maximum limit, with the minimum The amount shall prevail.

If the loan amount is calculated based on the balance of the housing provident fund account, the balance will be reduced after the provident fund account is withdrawn, and the corresponding loan amount will also be reduced.

For example, if the provident fund account balance is 30,000, you can borrow 10 times the provident fund loan limit, which is a provident fund loan limit of 300,000.

If a provident fund amount of 10,000 yuan is withdrawn and the balance becomes 20,000 yuan, the maximum loan amount that can be borrowed is 200,000 yuan, which is a difference of 100,000 yuan in loan limit.

2. Provident fund account status

The basic conditions for a provident fund loan are that the provident fund account is normal, and continuous payments are made for a certain period, usually 6 months or 1 year, and other requirements are met. Only then can you go and apply for it.

However, the account will be canceled after the provident fund is withdrawn under certain circumstances, such as withdrawals after the depositor dies or is declared dead, retirement withdrawals, withdrawals to settle abroad, and withdrawals after resignation.

If the account is canceled due to provident fund withdrawal under one of these circumstances, the borrower will no longer be able to make subsequent loans.

You can get online loan big data reports from "Sixi Data", which include online loan history, online loan overdue details, debt status, dishonesty information, online loan blacklist and other information.

Extended information:

What are the consequences of withdrawing provident funds?

The impact after the provident fund withdrawal is mainly reflected in the provident fund loan limit, because the provident fund loan limit is related to the provident fund account balance. Generally speaking, it is 10-20 times the provident fund account balance. If you plan to use it in the future If you have a provident fund loan, you should be cautious when withdrawing the provident fund.

In addition, if you want to successfully withdraw funds from the provident fund balance, you also need to meet the requirements of the local provident fund center, and you need to meet the following points.

1. Decorate and renovate your own house.

2. Pay the rent.

3. Withdrawal after retirement.

4. Complete loss of labor force.

5. Settling abroad.

6. Repay the principal and interest of the mortgage.

7. Life is not guaranteed.

8. Economic difficulties caused by emergencies.

9. Terminate the labor relationship with the original employer.

10. When the payer dies, the heirs will receive the payment.

Relevant information needs to be submitted to the Provident Fund Center, and then the Provident Fund Center will review and approve the funds and generally transfer the funds to the account within 3 working days.