The impact of withdrawing the provident fund is as follows:
1, which cannot be extracted again for the same reason within two years.
2. You can't use the provident fund to buy a house within six months to one year, and you must pay the provident fund for six months in a row.
3. Withdrawing provident fund will affect the amount of provident fund loans in the future. If you only withdraw the provident fund and don't use the provident fund loan, then if you don't have a house under your name, you can use the provident fund loan according to the standard of the first home loan.
4. If the spouse has used provident fund loans before, although the withdrawal of provident fund loans does not occupy the amount of provident fund loans, but because the whole family has used provident fund loans before, and this is also the second home purchased, it belongs to the second home loan, and the down payment is at least 60%. The withdrawal of provident fund does not affect the number of provident fund loans, but it does have an impact on provident fund loans; The most direct thing is to affect the amount of provident fund loans. The recognition standard of provident fund loans has nothing to do with the withdrawal of provident fund loans, that is, if you want to buy a house according to the first set of provident fund loans, you must have no records of housing and provident fund loans under the name of (family).
Legal basis:
Regulations on the administration of housing provident fund
Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.
Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.
The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
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.