After buying a house with a provident fund loan, you can't apply for withdrawal even if there is a balance in your personal account. If there is a balance in the monthly provident fund account after the loan is paid off, the user can increase the repayment amount of the monthly provident fund loan. If the user still has a balance after applying for a loan, he only needs to reserve one year's deposit in the provident fund, and then you can repay it monthly or withdraw it on the grounds of repaying the loan.

Simply put, the provident fund cannot be provided after the provident fund loan.

Legal basis:

"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.