Provident fund loans cannot be withdrawn. After the general borrower successfully handles the provident fund loan in the bank, the bank will directly transfer the loan amount to the bank card account provided by the real estate seller as required, and generally it will not be transferred through the borrower, so the provident fund loan cannot be withdrawn. Only when the borrower does not use the provident fund to apply for a house purchase loan can he take the house purchase contract and loan contract to the local provident fund management center to withdraw the provident fund from his personal account for repayment, usually once a year. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from 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.

After I buy a house with a housing provident fund loan, can I withdraw the balance of the provident fund?

After buying a house with a housing provident fund loan, the balance of the provident fund can be taken out.

Only when you buy a house with a loan can you apply for a commercial loan to transfer to the provident fund. To apply for transferring commercial loans to provident fund, three conditions must be met first:

First, buyers have two certificates;

Second, there must be no overdue repayment records during the repayment period of commercial loans;

Third, buyers need to pay the provident fund for more than half a year. If the above three conditions are met, the buyer can apply to the commercial bank with ID card, household registration book, marriage certificate, real estate license and land certificate, and then find the designated guarantee company to pay the relevant fees after approval. With the payment slip, letter of guarantee and deposit certificate of provident fund, the purchaser signs the contract of transferring commercial loan to provident fund at the counter of commercial bank. If the loanable amount of the provident fund is lower than the outstanding commercial loans, it is necessary to apply for a combined loan of commercial loans and provident fund.

"Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's 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-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

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.

Can I withdraw cash after the housing provident fund loan?

Can I withdraw cash after the housing provident fund loan?

Answer 1. The following circumstances can be extracted from the remaining provident fund after the housing provident fund loan:

1. If you purchase the first self-occupied house (excluding second-hand houses) and have not paid the house purchase price in full, you can withdraw the provident fund to pay the remaining house purchase price. If you pay the provident fund, you can withdraw the remaining money;

2. After purchasing the first self-occupied house, the house price has been paid in full, and the balance of the provident fund can be withdrawn;

3. Buy the first self-occupied house, choose to use a commercial loan and the loan has not been paid off.

Two, employees in any of the following circumstances, you can apply for the withdrawal of housing provident fund.

(a) the purchase of owner-occupied housing, provide the purchase contract, agreement or other proof;

(two) the purchase of owner-occupied housing, provide approval or other proof of construction, land and other departments;

(three) renovation, overhaul occupied housing, provide the approval of the planning department or other proof;

(4) certificates of retirement and resignation;

(five) completely lose the ability to work and terminate the labor relationship with the unit, provide proof of complete loss of labor ability and proof of termination of labor relations;

(six) after the termination of the labor relationship with the unit, if it has not been re-employed for five years, it shall provide proof of unemployment;

(seven) to settle abroad, provide exit certificates;

(eight) the account moved out of the province, to provide proof of migration;

(nine) to repay the principal and interest of the house purchase loan and provide the house purchase loan contract;

(ten) to pay the rent, provide proof of wage income and housing lease contract;

(eleven) migrant workers and units to terminate the labor relationship, provide proof of household registration and proof of termination of labor relations;

(twelve) other circumstances stipulated by the housing provident fund management center.

How to withdraw provident fund loans

One-time repayment of provident fund loan to withdraw housing provident fund: (1) Application form for withdrawal of housing provident fund issued by the unit finance or labor. (2) One original and one copy of the ID card. If the spouse's provident fund is withdrawn, the original and photocopy of the marriage certificate and household registration book shall be provided at the same time 1 copy. (3) For the loan contract, go to the loan department of the loan bank to print the repayment statement of individual housing loan in the previous year (from the month of extraction to the month of the previous year), and ask the bank to stamp it. (4) If repayment is made by passbook, the repayment passbook and a copy of the passbook shall be provided; If you use a bank card for repayment, you must provide a detailed copy of the bank card printed by the bank counter in the last year. (5) Go to the loan department of the loan bank and sign the Loan Agreement for Withdrawing Housing Provident Fund and Returning Housing Provident Fund. (If it is extracted by both husband and wife, both husband and wife will sign their fingerprints, fill them in the bank account and transfer them directly to the personal account). Note: Employees should sign the Withdrawal Application Form on the spot and press their handprints (provident fund should be remitted to individual repayment account).

Can I withdraw cash from the provident fund?

Of course.

You can withdraw cash from the provident fund, but you must meet the following conditions:

1, the depositor of housing provident fund may apply for withdrawal of housing provident fund if there is housing demand. For example, depositors want to buy, build or overhaul their own houses, or rent houses locally, and the rent of houses exceeds a certain proportion of family income; Or if the depositor is currently repaying the principal and interest of the commercial housing loan, he can also withdraw the provident fund to repay the principal and interest of the commercial loan.

2. If the depositor of the housing provident fund is a poor household and has a hard life, then in this case, we can apply for withdrawing the personal housing provident fund for daily life.

3. If the depositor of the provident fund is sick and hospitalized, or his immediate family members are sick and hospitalized, he can apply for withdrawal of the provident fund with the proof of hospitalization and other related materials.

4. When the depositor of the provident fund settles, retires, resigns or dies abroad, he may apply for a one-time withdrawal of the balance in the individual housing provident fund account.

Characteristics of provident fund

Universality, all urban workers, regardless of the nature of their work units, family income and existing housing, must pay the housing provident fund in accordance with the provisions of the Regulations.

Mandatory (policy), if the unit fails to register the deposit of housing provident fund or set up a housing provident fund account for employees, the housing provident fund management center has the right to order it to handle it within a time limit. If it fails to make corrections within the time limit, it may be punished according to the relevant provisions of the Regulations, and may apply to the people for compulsory execution.

In terms of welfare, in addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans.

So much for the introduction of cash withdrawal from provident fund loans.