1. As long as the conditions are met, you can withdraw the provident fund, regardless of whether the loan has been paid off. For example, if you buy a house again, you can also withdraw the provident fund. The balance in the provident fund account will affect the amount of provident fund loans, so subsequent users need to apply for provident fund loans, and it is not appropriate to withdraw large amounts of provident fund;
2. As for the successful application for provident fund loan, you can withdraw the balance in the provident fund account at will. As long as the conditions are met, you can withdraw the provident fund, regardless of whether the loan has been paid off. For example, if you buy a house again, you can also withdraw the provident fund. The balance of the provident fund account will affect the amount of provident fund loans. Subsequent users need to apply for provident fund loans, and it is not appropriate to withdraw large amounts of provident fund. As for the successful application for provident fund loan, you can withdraw the balance in the provident fund account at will.
The conditions for withdrawing the provident fund are as follows:
1, purchase, construction, renovation and overhaul of owner-occupied housing. Among them, "purchase" means that employees buy houses and have the ownership of the houses they buy, which can be public houses, commercial houses, affordable housing and second-hand houses. "Construction" refers to houses built by urban residents with the approval of real estate management agencies, urban planning management agencies and other departments; "Renovation" refers to the complete demolition, design and reconstruction of houses; "Overhaul" refers to the need to affect or dismantle some major components of the house, but it is not necessary to completely demolish the house;
2. Retired workers;
3, completely lose the ability to work, and terminate the labor relationship with the unit;
4. Go abroad to settle down;
5. Repay the principal and interest of the house purchase loan;
6, the rent exceeds the prescribed proportion of family wage income;
7. The employee dies or is declared dead.
To sum up, you can withdraw the provident fund after paying off the mortgage. As long as the balance of the provident fund account is sufficient, users can apply for withdrawal of the provident fund. As for whether the withdrawal conditions of provident fund are related to mortgage, it depends on the laws and policies of the area where the user is located.
Legal basis:
Article 24 of the Regulations on the Management of Housing Provident Fund
In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) 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, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.