How to withdraw the balance after the provident fund loan;

1. If the purchaser fails to withdraw the housing provident fund or apply for a housing provident fund loan, he can withdraw the balance of the provident fund in the account at the time of purchase.

2. If the purchaser fails to withdraw the provident fund at the time of purchase and applies for a housing provident fund loan, he can also withdraw the house after 1 year, and apply to the provident fund center for monthly payment with the commercial housing sales contract, purchase invoice or receipt registered by the housing management department (1 year, the monthly payment cannot exceed the balance of the provident fund).

3. If a property buyer purchases a house again after handling the housing provident fund loan, he can withdraw the housing provident fund according to the materials extracted from the house purchase, and the withdrawal amount is the account balance after deducting the loan amount.

4. If the purchaser fails to repay the housing provident fund loan, he can extract the extractable amount according to the repayment situation of the previous year. The extraction materials can be prepared according to the loan repayment.

5. After the down payment is paid, the purchaser who buys a new house can withdraw it with the purchase contract and the unified invoice for real estate sales (pre-purchase payment or purchase payment); After the down payment, the buyers who buy second-hand houses can withdraw money with the stock house sales contract (or the stock house transaction fund custody agreement) and the stock house transaction fund custody certificate (the transaction fund is 30% or more of the house transaction price).

If the house payment is paid off, it can be extracted by the purchase contract and the unified invoice (or deed tax payment certificate) for the real estate sale of the full house payment;

Those who have received the real estate license can be fully extracted with the real estate license and the unified invoice (or deed tax payment certificate) for real estate sales.

Legal basis: Regulations on the Management of Housing Provident Fund

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

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

(six) 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, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

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.