The differentiated policy of "one guarantee, two restrictions and three prohibitions" will continue to be implemented for house purchase withdrawal and loan repayment withdrawal, that is, if families (including themselves and their spouses) purchase the third or more houses (cancelled 1 houses may not be counted, but cancelled 1 houses are limited), housing accumulation fund will not be withdrawn. If employees use commercial loans or non-central housing provident fund loans to purchase houses, the total withdrawal amount of all extractors of the same set of housing shall not exceed the down payment; If the first house with a building area of less than 90 square meters (inclusive) is purchased by using the housing provident fund loan of the center, the balance other than the reserved loan amount 10% can be withdrawn, and the total amount withdrawn by all the people of the same house shall not exceed the down payment.

The balance of the housing provident fund account that employees can withdraw shall be subject to the details of employee remittance.

Second, what is the difference between repaying the principal and interest of the house purchase loan and withdrawing the provident fund to buy a house?

Three, the repayment of provident fund loans and the extraction of housing provident fund.

1. If the purchaser fails to withdraw the housing provident fund and apply for a housing provident fund loan at the time of purchase, the balance of the provident fund in the account at the time of purchase can be completely withdrawn according to the relevant regulations of the state. 2. Those who have already applied for housing provident fund loans can also apply for house purchase after 1 year. For details, please refer to your local housing provident fund withdrawal regulations. 3. 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. 4. Buyers who buy new houses can quit after the down payment is paid; 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).

4. What's the difference between buying a house to withdraw the provident fund and repaying the loan? How to withdraw provident fund

What's the difference between buying a house to withdraw provident fund and repaying a loan?

Loan repayment from provident fund purchase, withdrawal amount, withdrawal frequency, handling requirements. Details are as follows:

1 extraction:

1 Purchase withdrawal: refers to the purchase of an auction house, an existing house or a house and the application for withdrawal of the provident fund in the provident fund center.

2 Loan repayment withdrawal: refers to the direct application for withdrawal of housing provident fund from the housing provident fund center when buying forward houses, existing houses or second-hand houses by means of mortgage loans.

2. Withdrawal amount:

The amount of 1 shall not exceed the total purchase price;

2 Repayment and withdrawal: the withdrawal amount shall not exceed the total repayment amount, and the rules for retaining the balance each time are different.

3 extraction frequency

1 house purchase extraction: generally, a suite can only be extracted once, and the extraction frequency is different according to the rules of each region, generally quarterly;

2. Withdrawal due to loan repayment: employees can withdraw once a year, with an interval of 12 months, if the housing loan is not paid off; You can also withdraw mortgage loans on a monthly basis.

4 Handling conditions and requirements

Because the conditions for withdrawing housing provident fund and repaying housing loans are different in different places, employees still need to know the local requirements before withdrawing housing provident fund.

Generally speaking, the specific rules about the purchase of houses by provident fund and loans by provident fund are very detailed, but no matter how they are used, the use of provident fund is related to housing. Specifically, you can apply for 1 to purchase, build, renovate or overhaul self-occupied housing; 2 have the ability to work, and terminate the labor relationship with the unit; 4. The principal and interest of the overseas settlement funds; 6 rent exceeds the proportion of family wage income; 7. Pay medical expenses for major diseases; 8 Low-income poverty