1, Buying a house: This is actually the original intention of setting up a housing provident fund, which is used for loans when buying a house. At the same time, the down payment can use commercial loans. If you already own a house, you can use the housing provident fund whether you are building, decorating or overhauling the house.

2. If you rent a house, you can also use the housing provident fund, but the amount of public rental housing and commercial housing is different. You can consult the relevant local departments for details. Children can withdraw their parents' housing provident fund when they buy a house. Unmarried children living with their parents can buy ordinary self-occupied houses, and parents can withdraw the balance of their provident fund accounts. If children borrow money to buy a house and parents participate in the repayment, they can withdraw according to the repayment method of provident fund, not only the down payment, but also the principal and interest of provident fund repayment every year.

3. If you don't plan to buy a house or have other needs. You can cancel your account in the relevant department and withdraw all the balance. If the family encounters a particularly big change, the housing provident fund can be included in the scope of extraction and use of low-income or extremely poor people. Treating major diseases is another function of housing provident fund, which may not be clear to many people. You can use this function in the future.

What are the loan conditions of housing provident fund?

1, with valid identity documents and household registration certificates, and full capacity for civil conduct;

2. Have a relatively stable income, good credit and the ability to repay the principal and interest of the loan;

3. When the borrower applies for the provident fund loan, he has continuously paid the housing provident fund in full for more than 6 months (including 6 months) according to the Measures for the Administration of Housing Provident Fund Deposit in Nanchang;

4. The house applying for the provident fund loan did not apply for the withdrawal of the provident fund business due to the purchase of the house;

5, provident fund loans in the city to buy self-occupied housing, there must be a legal purchase contract;

6. The loan applicant should be one of the buyers;

7. There is a certain proportion of down payment for house purchase that meets the requirements;

What is the process of housing provident fund loan?

1. Consultation of loan applicants. The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.

Second, the preliminary evaluation. The loan applicant should go to the loan handling department for preliminary examination and relevant evaluation.

Three, the loan applicant waiting for telephone notification.

Four. The loan applicant signs the relevant contract.

5. Bank loans. After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.

Six, monthly repayment. The loan applicant shall repay the loan on a monthly basis in accordance with the provisions of the loan contract.