1, you can take it out

2. Bring your own purchase contract, invoice and provident fund card, and fill in the withdrawal application form in the management center first.

Then let the company stamp, and finally submit it to the center for approval. You can take out everything you handed in before.

3. There is no time limit for withdrawing the provident fund. However, the best approval is generally within two years of buying a house.

4. If your monthly payment is equal principal and interest repayment, the algorithm is more complicated, that is, it is the same every month;

If the principal is equal, the specific algorithm is to divide the principal by 240 months to get the monthly principal, and the monthly interest is the monthly interest rate of your loan line provident fund.

Can I withdraw the provident fund after the loan?

Commercial loans can draw housing provident fund.

When you apply for withdrawal for the first time, you need to bring your ID card, marriage certificate (unmarried people need to provide their own home page and page), repayment passbook and loan contract. The above materials need to be provided with originals and copies.

In the future, the accumulated balance in the personal account of housing provident fund can be withdrawn once a year or every few years to repay the principal and interest of housing loans, and the amount withdrawn each time shall not exceed the amount of loan principal and interest repaid during the period. If the employee repays the housing loan in advance, the main borrower and his spouse can withdraw it within 1 year after the prepayment, and each extractor can only withdraw the prepayment amount once, and the total withdrawal amount cannot exceed the prepayment amount.

The withdrawal time of prepayment and the interval of previous withdrawal refer to the time for individuals to withdraw provident fund and mortgage registration card, which can only be withdrawn after 12 months. When you withdraw money, you need to bring your ID card and repayment slip. If it is an advance payment, an advance payment voucher is also required.

Article 24 of China's "Regulations on the Management of Housing Provident Fund" stipulates that under any of the following circumstances, employees can withdraw the storage balance in their housing provident fund accounts: (5) repaying the principal and interest of the house purchase loan;

The specific information extracted shall be subject to the actual audit at the front desk of the office (business outlet).

1. The payer's scope only refers to the relationship between the borrower and the owner of the house (or the purchaser) who is himself, his spouse or his immediate family members within two generations. The extractor can provide information including but not limited to household registration book, birth certificate, one-child certificate or notarial certificate of immediate family members issued by notary office as proof of immediate family members within two generations.

2. When the spouse of a commercial loan borrower applies to withdraw the provident fund, it is necessary to inquire about the borrower's personal credit information, but the borrower is not present, the drawer shall provide a power of attorney for the commercial loan borrower to authorize his agent to inquire about the credit information, and the drawer may sign a power of attorney for inquiring about the personal credit information.

The power of attorney must have the words "entrust an agent to inquire about my personal credit information". The power of attorney does not need to be notarized, but it must have the key elements such as the client's signature, handprint and entrustment period.

3. The main borrower of the commercial loan (the first borrower) and * * * are not husband and wife, and * * * applies to the same borrower to withdraw the provident fund (including the case where * * * applies to the same borrower's spouse to withdraw the provident fund). When it is necessary to inquire about the personal credit information of the principal borrower of a commercial loan, the principal borrower must be present to sign the Power of Attorney for Inquiring and Using Personal Credit Information, and * * * shall not sign it on behalf of the borrower or others.

Can I withdraw the provident fund after the provident fund loan?

Legal analysis: after the provident fund loan, it cannot be withdrawn. After buying a house with a provident fund loan, you can't withdraw the provident fund even if there is a balance in your personal account. If there is still a balance in the provident fund after the loan is repaid, you can apply for an increase in the monthly repayment amount. To withdraw the provident fund, you must pay off the provident fund loan and meet the following conditions before you can withdraw it: 1, buy, build, renovate or overhaul the owner-occupied housing; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the house purchase loan; 6, the rent exceeds the prescribed proportion of family wage income.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-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.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.