The withdrawal of the provident fund during the Spring Festival in 2023 cannot be collected. Users who withdraw the provident fund through self-service channels on legal holidays will receive it on the working day after the holidays. After the application form for individual housing provident fund withdrawal is submitted and approved by relevant departments, the bank will remit money directly to the individual account. The above is how long it will take to withdraw the provident fund during the Spring Festival in 2023.

Do you need a credit report for provident fund loans?

Provident fund loans need a credit report. According to the regulations, banks need to check the lender's credit report when applying for provident fund loans or commercial loans. See if there are any other outstanding loans. If there are other outstanding loans, whether the monthly payment exceeds 50% of the family's monthly income is calculated by comprehensive liabilities, and the specific approval criteria shall be subject to local actual regulations.

Will the provident fund loan be checked for credit after face-to-face signing?

Although the personal credit report will be required when the provident fund loan is signed in person, the credit status of the user can still be inquired after the face-to-face signing. Usually in the interview, in addition to providing personal credit reports, the provident fund management center should also be authorized to inquire about personal credit. Therefore, before the loan is officially issued, users should pay attention to maintaining a good personal credit status, otherwise, even if the face-to-face signing is passed, the loan will still be unsuccessful. It should be noted that there is no need to provide proof of income when handling the face-to-face signing of provident fund loans, as long as there is proof of deposit of provident fund.

Why not deduct the provident fund from the provident fund loan?

The reason why provident fund loans are not deducted from provident fund loans is that when applying for provident fund loans, the balance in the provident fund account needs to be used to calculate the amount of provident fund loans, that is, deposit-loan linkage. During the application for provident fund loan, the bank or housing provident fund center will not deduct the balance in the provident fund account, and users are not allowed to withdraw the provident fund during this period. After the provident fund loan is approved, the user withdraws the provident fund. At this time, the balance of the provident fund account will not affect the amount of provident fund loans. It should be noted that the provident fund repayment business is divided into annual repayment and monthly repayment. If it is an annual repayment, it is a one-time repayment.