1. There are several conditions for whether the loan can reach 10w: (1) Monthly contribution of husband and wife housing provident fund × specified proportion × 12 months× loan period.
2. Yes, you can use it to pay the down payment when buying a house, or you can use it to repay the loan after buying a house.
3. You can withdraw your spouse's provident fund account. Actually, your wife is also a co-payer.
4. The total amount withdrawn shall not exceed the outstanding housing loan principal and interest. Generally speaking, it can be refunded once a year, but the management measures of Luohe indicate that "each purchase contract can only be refunded once." What the hell do you mean? You have to do it yourself.
It is more troublesome than commercial loans, mainly because the enthusiasm of bank staff is not high. However, if the bank staff shirk, delay, etc. Remember to complain to the provident fund center. The original requirement was written as follows: "the certificate of ownership of mortgaged real estate or the certificate that two financial supply units are compiling formal employees to agree to guarantee." So all you have to do is mortgage the real estate license.
References:
"Luohe Housing Provident Fund Loan Handling Procedures"
"Luohe housing provident fund extraction approval measures"
"Luohe housing provident fund personal housing loan management measures"
"Luohe housing provident fund extraction management measures"
The above information can be found on the website of Luohe Housing Provident Fund. It's not easy to find so many. Would you like some more? :)