1. You can apply for a loan if there is still money in your account. However, if there is a time limit after the withdrawal of the provident fund, you need to consult the local provident fund office for details. Prepare the applicant's ID card, proof of marital status, etc. , go to the provident fund center, wait for the window staff to conduct preliminary examination, meet the conditions and other audits, and then complete the loan;
2. To apply for a loan, you need to go through the relevant procedures, and you will be notified in time if you do not meet the conditions. At present, you can make an appointment in advance, but you must submit your personal information online and print the form before going to the window. Generally speaking, loans are only related to the amount of deposits and have nothing to do with withdrawals. The account amount of the provident fund directly affects the loan amount. If there is a balance after withdrawal, you can borrow money. Housing accumulation fund refers to social welfare for housing, which is universal and compulsory. Mainly used for employees to buy, build, rebuild, overhaul, decorate their own houses or pay rent. It is mainly paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
Legal basis: Article 26 of the Regulations on the Administration of Housing Provident Fund.
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.