1. Only the provident fund was withdrawn, and the provident fund loan was not used. Then, if there is no room to buy a house and use the provident fund loan, it can be handled according to the standard of the first home loan.
2. If the spouse has used the provident fund loan before, although the withdrawal of the provident fund by himself does not occupy the amount of the provident fund loan, but because the whole family has used the provident fund loan once before, and this is also the second house purchased, it belongs to the second house loan, and the down payment is at least 60%.
3. Withdrawal of provident fund does not affect the number of provident fund loans, but it also affects provident fund loans, the most direct being the amount of provident fund loans.
Conditions for withdrawal of provident fund:
1. Time requirement for personal provident fund account deposit: Generally, personal provident fund account is required to be deposited for at least 6 months, and the specific time standard may be slightly different;
2. Reasons for withdrawal: The withdrawal of the provident fund must comply with the withdrawal reasons stipulated by the local provident fund management center, such as purchasing the first house, paying the house rent, medical treatment for serious illness, education for children, etc.
3. Withdrawal amount: The withdrawal amount of provident fund is subject to different regulations and restrictions of various provident fund management centers, but generally it cannot exceed a certain proportion or a certain amount of personal account balance;
4. Relevant certification materials: Relevant certification materials are required to withdraw the provident fund, such as the purchase contract and real estate license for withdrawing the house, the lease contract and house lease for withdrawing the rent, etc.
To sum up, you can plan the time of withdrawing the provident fund in advance and leave enough time to go through the formalities.
Legal basis:
Article 25 of the Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund.
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.