I. Basic conditions of provident fund loan

Provident fund loan is a loan method established to help employees who pay provident fund to solve their housing problems. Usually, to apply for provident fund loans, the following basic conditions need to be met:

1. Applicants need to pay employees for provident fund, and the record of provident fund payment is good;

2. The applicant and spouse have stable economic income and the ability to repay the loan principal and interest;

3. The applicant and spouse have good credit records and no bad credit records such as serious overdue;

4. The applicant needs to purchase, build, renovate and overhaul the self-occupied housing, and it is in line with the use stipulated by the local provident fund loan policy;

5. provide guarantee measures that meet the requirements of the provident fund loan policy.

second, the balance of provident fund account and loan application

the balance of provident fund account is an important reference factor when applying for provident fund loan, but it is not the only decisive factor. Even if the balance of the provident fund account is zero, as long as the applicant meets the above basic conditions and can provide sufficient guarantee measures, it is still possible to apply for a provident fund loan.

however, it should be noted that the balance of the provident fund account may affect the loan amount. Generally speaking, the amount of provident fund loan is related to the applicant's provident fund deposit period, deposit amount and the balance of provident fund account. Therefore, when applying for provident fund loans, applicants should fully understand the local provident fund policies in order to make reasonable loan applications.

III. Application process for provident fund loans

Applicants who meet the basic conditions for provident fund loans can apply for provident fund loans according to the following procedures:

1. Consult their units or provident fund management institutions about the provident fund loan policies to learn about the loan conditions, quotas, duration and other information;

2. Prepare relevant application materials, such as ID card, household registration book, marriage certificate, income certificate, house purchase contract, etc.

3. Submit a loan application to the provident fund management institution and fill in the relevant application forms;

4. The provident fund management institution shall review the qualifications, credit records and guarantee measures of the applicant;

5. after the approval, the provident fund management institution signs a loan contract with the applicant and issues loans.

To sum up:

After the withdrawal of the provident fund, individuals may still apply for provident fund loans if they meet the basic conditions of provident fund loans. However, whether the application can be successful depends on the local provident fund policies and regulations. Therefore, before applying for provident fund loans, applicants are advised to fully understand the local provident fund policies and consult relevant departments or institutions to ensure the smooth application process.

Legal basis:

Article 26 of the Regulations on the Management of Housing Provident Fund

stipulates:

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

Article 27 of the Regulations on the Management of Housing Provident Fund

stipulates:

Applicants who apply for housing provident fund loans shall provide guarantees.

Article 28 of the Regulations on the Management of Housing Provident Fund

stipulates:

The housing provident fund management center shall make a decision on granting or not granting loans within 15 days from the date of accepting the application, and notify the applicant; If the loan is granted, the entrusted bank shall go through the loan formalities.