I already have a house, and my housing provident fund can still be used.

The provident fund for purchasing a second home can also be withdrawn, but the corresponding conditions must be met. First, after paying off the housing provident fund loan for the first home, if you apply for a provident fund loan to buy a second home, the applicant can withdraw the balance in the provident fund account and use it to repay the loan. If you want to apply to withdraw the provident fund balance, you should submit a written application to the bank, or go to the provident fund management center to apply, and submit relevant materials for review as required. As long as the review is passed, the bank will transfer the funds according to regulations. Transfer directly to your personal account.

To withdraw housing provident fund after working for more than half a year, the details are as follows:

1. To withdraw housing provident fund for employees, first submit an application to the unit, and after it is verified by the unit, fill in the "Housing Provident Fund Withdrawal Application Form" 》 (in duplicate) and "Housing Provident Fund Withdrawal Details" (in duplicate), stamped with official seal and financial seal;

2. The person in charge of the deposit unit or individual employee shall present his/her original ID card and photocopies, "Housing Provident Fund Withdrawal Application Form", "Housing Provident Fund Withdrawal Details" and the originals and copies of relevant supporting materials, go to the Provident Fund Center to process the withdrawal;

3. Handling personnel or individual employees Return the transfer check to the financial department of the unit, and the financial department will pay the employee in cash according to the amount listed.

The housing provident fund has several uses:

1. Loan to buy a house.

If you buy economical housing or commercial housing, you can use provident fund loans, which will have lower interest than ordinary commercial loans. For commercial loans, you can withdraw provident fund for down payment or repay principal and interest. Generally, you can use provident fund loans to buy a house after paying for more than 6 months.

2. Rent a house.

The provident fund can pay the rent for renting a house.

3. Parents buy a house for their children or treat major illnesses.

If you use a commercial loan to buy your own house, you can withdraw your parents' provident fund after paying the down payment. If you use a personal housing provident fund loan to buy your own house, you can withdraw your parents' provident fund after paying the down payment. Or family members withdraw provident funds to pay for hospitalization expenses.

4. The provident fund can be withdrawn in one go.

You can withdraw it once before closing your account. Such as retirement, retirement, settling abroad, etc.

The benefits of using a provident fund loan are that the housing provident fund paid by the employee personally and the provident fund paid by the unit belong to the employee personally. , rollable interest. Enjoy tax exemption. Interest rates for home loans have been reduced. For example, a 1.2 million yuan loan with a term of 30 years and equal repayments can save about 45,000 yuan in total interest. Fifth, the loan can be repaid in advance.

In summary, the provident fund for purchasing a second home can also be withdrawn. If you want to apply for a provident fund loan to purchase a second home, you can go to the provident fund management center to apply for a loan.

Legal basis:

Article 24 of the "Housing Provident Fund Management Regulations"

If an employee has any of the following circumstances, he or she may withdraw funds from the employee housing provident fund account The storage balance of:

(1) Those who purchase, build, renovate or overhaul their own houses;

(2) Those who retire or retire;

(3) ) Completely loses the ability to work and terminates the labor relationship with the employer;

(4) Leaving the country to settle down; (5) Repaying the principal and interest of the house purchase loan;

(6) 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, if 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.