You can withdraw the provident fund by buying a house with a portfolio loan. According to the regulations, for the first time to apply for withdrawing housing provident fund to repay the principal and interest of housing loans, you should apply for annual withdrawal once in the month or the next month corresponding to the first repayment after the repayment reaches 12 months, and withdraw the loan principal and interest repaid within 12 months.

In addition, it should be noted that the original deed tax payment certificate, the original purchase invoice, the original real estate sales contract, the original real estate title certificate, the original ID card and other materials should be submitted when handling.

The specific extraction situation is as follows:

1. If individual housing provident fund portfolio loan is used, the borrower and parents of both husband and wife can apply for withdrawing the housing provident fund amount before the month (including the month) when the house purchase contract or agreement is signed, and the total withdrawal amount shall not exceed the down payment for house purchase. Among them, the purchase of resettlement houses cannot exceed the total down payment after deducting housing compensation.

2. If the balance of the provident fund account (10w) is greater than the total repayment amount for one year (5w), and the provident fund paid for one year is only 3w, the previous provident fund can be withdrawn from the provident fund at one time, as long as the loan is not repaid.

Process of drawing provident fund from portfolio loan

The process of withdrawing provident fund from pure commercial loans and portfolio loans is different. Portfolio loans are relatively troublesome.

1. Go to the provident fund management office to get the contact form (you don't need to bring any documents, but bring the original provident fund card and ID card if possible);

2. Take this contact form to the loan department of the bank where you borrowed money or the person in charge who handled the loan procedures for you at that time, and ask them to fill in the contact form and affix the seal of the bank;

3. The bank will contact you in a few days. You can go to the bank to get the contact slip and go to the provident fund management office to handle the withdrawal procedures of the provident fund.

4. After completing the formalities, the provident fund will transfer the money to your bank card. In addition, a copy of the contact list must be returned to the bank, which is what their business needs.