You can still apply for a loan after withdrawing the provident fund. The applicant has withdrawn the housing provident fund once before. In this case, he can also apply for a housing provident fund loan, but he cannot withdraw the provident fund to pay the down payment. Generally speaking, the provident fund can not be used to pay the down payment, but after buying a house, the purchaser can take his own "Purchase Contract" and purchase invoice to handle the withdrawal.

The application conditions for provident fund loans are:

1, permanent residence in the town where the loan is located, and valid residence certificate can be provided;

2. The housing provident fund has been continuously paid for more than 6 months before the loan, and the accumulated time of the provident fund deposit cannot be less than 12 months;

3. The self-financing of the first suite reaches more than 30% of the total price of the purchased house, including 30%, and the first home loan below 90 square meters only needs 20%.

Provident fund loans shall not exceed 5 years after the borrower's statutory retirement age, that is, men shall reach 65 years of age and women shall reach 60 years of age; The employees of the unit have signed labor contracts for more than 3 years; Normal continuous monthly housing provident fund deposit exceeds a certain period; Do not exceed the statutory retirement age. The longest term of provident fund loans shall not exceed 30 years. Portfolio loans, provident fund loans and commercial housing loans must have the same term. In the case of buying a house and using a mortgage, you can withdraw the housing provident fund once a month; When withdrawing housing provident fund in the case of one-time payment, employees and their spouses can withdraw housing provident fund in full once every quarter, up to four times a year.

Legal basis: Article 26 of the Regulations on the Administration of Housing Provident Fund.

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.