After the mortgage has been paid off, the provident fund can be withdrawn.

1. After the mortgage loan is paid off, if the withdrawal conditions are met, you can continue to withdraw the provident fund; 2. The withdrawal of the provident fund has nothing to do with whether the loan is repaid, and you can withdraw it if the conditions are met; 3. The balance of the provident fund account will affect the loan limit ; 4. When withdrawing provident funds, be careful not to exceed the total price of the house and the amount already withdrawn during the loan period.

Regulations on the use of provident funds:

1. Withdrawal for house purchase: When purchasing, building, renovating or overhauling a self-occupied house, you can apply for withdrawing provident funds;

2. Rent a house Withdrawal: If you rent a house without using a provident fund loan to buy a house, you can also apply to withdraw the provident fund;

3. Withdrawal for loan repayment: If it is used to repay the principal and interest of the home purchase loan, the provident fund can be withdrawn regularly;

4. Retirement withdrawal: When employees retire, they can withdraw the provident fund balance in the account in one go;

5. Transfer and withdrawal in different places: Employees are employed across regions and need to transfer the provident fund to a new provident fund account;

6. Unemployment withdrawal: When employees are unemployed and their provident fund account has not been paid for 6 consecutive months, they can withdraw the provident fund;

7. Repay the rental housing deposit: in specified cities Provident funds can be withdrawn to pay the deposit for rental housing;

8. Treatment of major diseases: If employees or their immediate relatives suffer from major diseases, provident funds can be withdrawn to pay for medical expenses;

9. If the employee completely loses the ability to work and terminates the labor relationship with the unit: the balance of the provident fund can be withdrawn;

10. Settling abroad: If the employee settles abroad, the balance of the provident fund can be withdrawn in one go.

To sum up, after the housing loan is paid off, as long as the relevant conditions are met, the provident fund can still be withdrawn, but it should be noted that the withdrawal amount shall not exceed the total price of the house and the amount withdrawn during the loan period. At the same time, the provident fund account balance will Have an impact on the loan amount.

Legal basis:

"Housing Provident Fund Management Regulations"

Article 24

If an employee has any of the following circumstances, The balance in the employee's housing provident fund account can be withdrawn: (1) Those who purchase, build, renovate, or overhaul a self-occupied house; (2) Those who retire or retire; (3) Those who have completely lost their ability to work and terminated their labor relationship with the unit; (4) Leaving the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (6) The rent exceeding the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time. If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.