It will have an impact and will affect the amount of provident fund loans in the future.

1. If you have only withdrawn the provident fund but did not use a provident fund loan, then if you don’t have a house under your name and use a provident fund loan to buy a house, you can apply for it according to the standards for first home loans.

2. If your spouse has used a provident fund loan before, although withdrawing the provident fund yourself does not occupy the provident fund loan quota, because the entire family has used a provident fund loan before, and this is also the second house purchased, it belongs to the second house. For a house loan, the down payment is at least 60%.

Based on the above two situations, it can be seen that the standards for determining provident fund loans have nothing to do with withdrawing provident fund loans. That is, if you want to buy a house with the first provident fund loan, you must have no house in your (family) name. There is no provident fund loan record. However, although the withdrawal of provident fund does not affect the number of provident fund loans, it also has an impact on provident fund loans; the most direct impact is the amount of provident fund loans.