Specifically, the second withdrawal of the provident fund will be based on the last month of payment, with an interval of at least one year. At the same time, the housing provident fund management center usually stipulates that the second withdrawal of housing provident fund must be more than one year from the first withdrawal of housing provident fund. This time calculation is based on the time when the user paid the withdrawal money to the housing provident fund management center last time, and the second withdrawal of the housing provident fund can only be carried out after one year.

The Influence of Provident Fund on loans overdue;

1. Suspension of withdrawal of provident fund: during the repayment period, if the lender is overdue, the provident fund center will suspend withdrawal of provident fund until the loan is repaid normally;

2. Charge overdue interest: if the provident fund is overdue, you need to pay a penalty interest of 50% of the loan interest rate;

3. Long-term overdue will deal with collateral: non-malicious long-term overdue, banks can use real estate auction to make up for the loss of the provident fund center;

4. Affect the credit of the guarantor: provident fund loans often need to provide a guarantor. When the lender is overdue, the credit of the guarantor will also be affected;

5. Bad record: The overdue record of provident fund in loans overdue will be uploaded to the People's Bank for credit investigation, which will have a great impact on future loan applications.

To sum up, most people are willing to choose provident fund loans because the loan cost is lower than that of commercial loans. However, because of the long loan period, it is easy to overdue if there is temporary economic difficulty.

Legal basis:

Article 24 of the Regulations on the Management of Housing Provident Fund

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.