After the provident fund is withdrawn, loans can still be made. The withdrawal of the provident fund itself does not interfere with the purchase of houses, nor does it have any impact on the mortgage. The only effect of withdrawing provident fund is the amount of provident fund loans. If the balance of the provident fund is small, the withdrawal of the provident fund may lead to a decrease in the loan amount of the provident fund. If you plan to use the provident fund loan, it is not recommended to withdraw the provident fund first. It is a good choice to withdraw the provident fund after the loan is completed. First, the balance of the provident fund is related to the loan amount. If there is no balance, it is naturally difficult for banks to approve loans. If the balance of the provident fund is only relatively small, there is still a chance to get a loan, but the loan amount may be relatively small. Second, customers are advised to suspend their loan application and continue to pay the housing provident fund first. After a period of time, the provident fund paid continuously in the account is enough, and it is not too late to apply for a loan. If customers are in urgent need of loan funds, they can try to apply for commercial loans without provident fund, but the interest rate of commercial loans may not be as favorable as provident fund loans. Third, we should also pay attention to the withdrawal of provident fund, and we must meet certain conditions before we can withdraw it. For example, if the withdrawal of provident fund is for the purchase of owner-occupied housing, and a one-time purchase of commercial housing without applying for a housing provident fund loan, you can apply for withdrawal of provident fund, but the total withdrawal cannot exceed the actual purchase expenditure. 4. What materials are needed to withdraw the provident fund? 1. First, you must fill out an application form for withdrawal of personal provident fund. Second, you should prepare your ID card and bank card. Take one of the extraction methods as an example. If it is used to pay house rent, you need to provide a house lease contract before you can withdraw it. According to the law, employees who have paid the housing provident fund in accordance with Article 26 of the Regulations on the Management of Housing Provident Fund can apply for housing provident fund loans from 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.

2.202 1 can Wuhan provident fund be refinanced?

202 1 Wuhan provident fund can be refinanced. But you need to meet certain standards before you can withdraw the provident fund. For example, if you have bought a house before and didn't use the provident fund when you bought this house, then you can take out the provident fund with the real estate license of the house you bought.

It should also be noted that if you plan to withdraw money before the loan, you can't withdraw it all from the provident fund account, so you must leave enough repayment for three months. Otherwise your mortgage may not be approved.

3. Can I get a loan after the provident fund money is taken out?

After the provident fund is withdrawn, loans can still be made. The withdrawal of the provident fund itself does not interfere with the purchase of houses, nor does it have any impact on the mortgage. The only effect of withdrawing provident fund is the amount of provident fund loans. If possible, the amount of provident fund loans will be reduced. If you plan to use the provident fund loan, it is not recommended to withdraw the provident fund first. It is a good choice to withdraw the provident fund after the loan is completed.

First, the balance of the provident fund is related to the loan amount. If there is no balance, the natural balance of the bank is relatively small, and the loan is still possible, but it is only possible.

Second, customers are advised to suspend loan applications and continue to pay housing provident fund first. After a period of time, if customers are in urgent need of loan funds, they can try to apply for commercial loans. If the interest rate is not open, it may not be as favorable as the provident fund loan.

Sometimes you need to pay attention to it, and you must fully extract it. For example, if you withdraw the provident fund for the purchase of self-occupied housing, and you do not apply for a housing provident fund loan, you can withdraw the provident fund once, but you can withdraw the cost.

4. What materials are needed to withdraw the provident fund?

1. First, you must fill out an application form for withdrawal of personal provident fund.

2. Second, prepare your identity. Take an extraction method as an example. If it is the extraction method of paying house rent, you need to provide a house lease contract to extract it.

legal ground

Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund apply for housing provident fund loans in the purchase, renovation and overhaul centers. The housing provident fund management center shall grant the loan or notify the applicant within 15 days from the date of accepting the application; 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.

4. Can I still use the provident fund loan after withdrawing the provident fund?

Prevent developers from fooling you. If this operation works, the down payment limit of provident fund loans will be broken and become below 20% or even lower, which is impossible. You can't use provident fund loans after applying for withdrawal of provident fund. You can only apply for commercial loans. After the following year, you can withdraw the provident fund to repay the principal and interest of commercial loans based on the purchase contract, loan contract and other information. In fact, in some areas where the provident fund is loosened, the first suite is bought with a provident fund loan, and the down payment is only 20%.