After withdrawing part of the provident fund, the remaining provident fund can still be used for loans. However, it should be noted that withdrawing the provident fund will reduce the balance of the provident fund account, which may affect the loan amount and loan interest rate. In addition, if the balance of the provident fund account is not enough to pay the down payment, you need to prepare additional funds yourself. Therefore, before withdrawing the provident fund, you need to carefully evaluate your financial situation and loan ability to avoid the influence of withdrawing the provident fund on your loan application in the later period.

The provident fund loan process is as follows:

1. The borrower submits personal application materials in the entrusted bank window of the loan service hall;

2. Accepted and audited by the entrusted bank;

3, the center for examination and approval;

4. The guarantee company handles the guarantee procedures and issues a guarantee commitment letter;

5. The borrower signs a loan contract with the bank with the letter of guarantee commitment;

6. The borrower handles the formalities of entrustment notarization;

7. The Center approves the issuance;

8. The entrusted bank issues loans.

To sum up, in the same area, different banks may have different regulations on the use of provident fund. It is best to consult the local housing provident fund management center or bank for specific requirements and operational procedures. At the same time, the use of provident fund also needs to be carried out in accordance with relevant policies and regulations to avoid unnecessary troubles caused by illegal use.

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.