The balance can be withdrawn before the provident fund loan. However, the balance of the provident fund account is closely related to the loan amount. If the balance of the provident fund is small, the loan amount may be too low, leading to loan failure. Therefore, it is not recommended to withdraw the balance before the provident fund loan. In addition, applicants should pay attention to the following points when handling provident fund loans:

1. Understand the loan policies and conditions.

The provident fund loan policies in different regions may be different. Before applying for a provident fund loan, the applicant can consult the local provident fund management center to understand the policies of provident fund loans, such as loan amount and loan interest rate. In addition, applicants need to clearly understand the conditions that provident fund loans need to meet, and then apply for loans if they meet the loan conditions.

The conditions for provident fund loans are:

1) has a stable source of work and income and the ability to repay the principal and interest of the loan;

2) There are sufficient deposit records of the provident fund, and the provident fund needs to be deposited continuously for a certain period of time, subject to the regulations of the local provident fund management center;

3) The down payment for house purchase has been paid, and the down payment certificate can be provided;

4) Good credit on the credit report and no bad credit record;

5) Age meets the requirements. Generally speaking, male age: 18-65 years old, female age: 18-60 years old, depending on the local loan policy;

6) Meet other requirements of the provident fund management center.

2. Prepare loan materials.

When applying for provident fund loans, you need to provide relevant supporting materials, such as ID card, work certificate, income certificate, house purchase contract, etc. The accuracy and completeness of these materials have an important impact on loan approval and lending, and need to be carefully prepared and checked. In particular, some key materials, such as bank statements, work certificates, etc., must be guaranteed to be true and effective, otherwise it may lead to loan failure or other problems.

3. Choose the appropriate repayment method.

There are two repayment methods for provident fund loans:

1) Equal principal and interest

Matching principal and interest means that the "principal+interest" of monthly repayment remains unchanged, that is, the monthly payment remains unchanged. In this way, the monthly repayment amount remains unchanged, which is convenient for applicants to plan their own finances.

2) Average capital

Average capital refers to allocating the loan amount to each month, returning the fixed principal and the interest generated by the remaining principal of the month every month, and the monthly repayment amount decreases month by month. Compared with equal principal and interest, this method will need to pay less interest, but the disadvantage is that the pressure of early repayment is great.

Therefore, applicants need to choose appropriate repayment methods according to their own economic conditions and repayment ability to avoid loan risks.

In short, when applying for provident fund loans, you need to pay attention to the above problems to ensure that you can get loans smoothly and repay them on time and in quantity.