The second suite can also apply for provident fund loans, but the loan interest rate will be lower when the first suite applies for loans, and the requirements of the provident fund center for the down payment ratio are not so high.

Provident fund withdrawal process is generally as follows:

1. Preparation materials: hold ID card and provident fund card, fill in the withdrawal application form, and provide corresponding supporting materials (such as house purchase contract and medical certificate, etc.);

2. Choose the extraction method: according to your own needs, choose the corresponding extraction method (such as house purchase extraction, personal housing loan extraction, serious illness medical extraction, etc.). );

3. Submit an application to the provident fund management department: submit the prepared materials and application forms to the unit provident fund management department or the local housing provident fund management center. To apply for the withdrawal of house purchase or individual housing loan, relevant materials such as house purchase contract and bank loan contract shall be provided;

4. Examination and approval: the provident fund management department examines the applicant's materials, and after the examination and approval, approves them, determines the withdrawal amount and allocates funds;

5. Receipt of withdrawal funds: According to the bank card number provided by the applicant, the withdrawn provident fund funds will be credited to the bank account designated by the applicant.

Apply for housing provident fund usually need the following information:

1. Original and photocopy of ID card;

2. The original and photocopy of the household registration book;

3. Labor contracts between employers and workers, such as labor contracts or labor dispatch agreements;

4. Pay social insurance certificate;

5. Fill in the application form for housing provident fund;

6. Housing sales contracts or housing lease contracts and other related real estate documents.

To sum up, the extraction ratio and extraction conditions of housing provident fund in different regions may be different. Specific extraction methods and extraction conditions shall be implemented in accordance with relevant local regulations.

Legal basis:

"Regulations" of housing provident fund management sixteenth

The monthly deposit amount of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Article 18

The deposit ratio of employees and unit housing provident fund shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.