If you pay the housing provident fund continuously for more than half a year, you can use the housing provident fund to repay the housing loan. You can apply to the accounting department of the unit for withdrawal of provident fund with your ID card, household registration book, marriage certificate, purchase contract and payment. Provident funds can be used to repay loans every month. You can also withdraw the balance of the provident fund from the housing provident fund account and repay the loan at one time. Many people repay their loans in this way after retirement. You can also withdraw the balance of the provident fund account and repay the loan in advance.

Measures for the return of housing provident fund to housing loans

1. One-time repayment method.

You can withdraw the full amount from the housing provident fund account and repay the loan at one time. Most retired people will take this way to repay their mortgages. If there is still room payment after repayment with the balance of provident fund, it can be recalculated according to the remaining loan and repayment period to determine the monthly repayment amount in the future.

2. Stop lending for several months.

Withdraw the balance of the provident fund account for mortgage repayment. After repaying the loan in advance, the lender may stop lending for several months. After the repayment stop time expires, the lender needs to continue to repay on a monthly basis. The interest owed during the suspension period is not subject to penalty interest or compound interest, and will be deducted from the monthly repayment after the suspension period expires.

3. Monthly repayment method.

Withdraw the amount from the housing provident fund account on a monthly basis to repay the housing provident fund. When the balance of the housing provident fund account is insufficient, the account amount shall be replenished in time.

If you are still in the process of repayment of the provident fund, but the deposit of the provident fund is suddenly interrupted, you should pay back the unpaid provident fund in time. If the housing provident fund account needs to be transferred to a new unit, it must be completed within three months, and the original procedures should be provided to prove the job transfer.

Although the housing provident fund can help employees solve a variety of housing-related monetary needs, the balance of the housing provident fund account cannot be used to pay the down payment. Before handling the housing provident fund loan process, it is necessary to provide the management core with a down payment transfer receipt. After completing the housing provident fund loan process, you can apply to the local housing provident fund management core for withdrawing the balance in the account with certificates such as real estate license, commercial housing sales contract, mortgage contract, price contract, repayment details and ID card.

Buyers who use the housing provident fund for personal housing loans, housing portfolio loans or commercial housing loans may apply for repayment of the provident fund. The spouse and immediate family members of the purchaser can repay the loan with their own provident fund.

Housing accumulation fund is a monetized form of housing subsidies for residents by the state, which is paid by employees themselves and their work units. The core of housing provident fund management is to entrust banks with fund management and lending. Housing accumulation fund is both strange and familiar to many people. We pay the provident fund every month, but many people are still useless. From the perspective of financial management, we should not only give play to the function of repaying mortgage with provident fund, but also tap the functions of accumulation of provident fund savings and pension supplement.

Provisions on provident fund loans vary from place to place. Please consult the local provident fund management center for specific procedures.

What is the significance and difference between buying a house and withdrawing provident fund and provident fund loans?

Buying a house to withdraw provident fund is different from provident fund loans. The main difference between the two is that after employees buy a house, they can directly withdraw the balance from the provident fund account as long as they provide relevant documents such as the purchase contract. In the case of buying a house and using a mortgage (it can be withdrawn once a month, and the total amount of withdrawal does not exceed the actual housing expenditure), in the case of one-time payment for buying a house, it is supported to withdraw the provident fund (the housing provident fund can be withdrawn in full once every quarter, up to four times a year).

Provident fund loan is to apply for mortgage loan to buy a house according to the balance of provident fund account (provident fund loan can only be used to buy a house and cannot be used for other purposes. Different from provident fund withdrawal, provident fund withdrawal can be used not only for buying a house, but also for paying rent, repaying mortgage, building construction/overhaul, etc. ). The more the general account balance, the higher the loanable amount of provident fund loans. Note that it is generally necessary to pay the provident fund in full and on time for half a year before applying for a loan.

How long does it take to withdraw a housing provident fund, depending on the specific situation:

1. If you buy a house, you can use the mortgage to withdraw the housing provident fund, which can generally be withdrawn once a month. Therefore, after this month's withdrawal, you need to wait until next month to apply for withdrawal (the accumulated withdrawal amount cannot exceed the actual housing expenditure).

2. If the housing provident fund is withdrawn in the case of one-time payment for house purchase, it can be withdrawn in full once every quarter and up to four times a year. In other words, it will take at least three months to apply for withdrawal after withdrawal this month.

Does the withdrawal of provident fund have an impact on housing loans?

The impact of withdrawing provident fund is as follows: 1. You can't quit again for the same reason within two years.

2. You can't use the provident fund to buy a house within six months to one year, and you must pay the provident fund for six months in a row.

3. Withdrawing provident fund will affect the amount of provident fund loans in the future. If you only withdraw the provident fund and don't use the provident fund loan, then if you don't have a house under your name, you can use the provident fund loan according to the standard of the first home loan.

4. If the spouse has used provident fund loans before, although the withdrawal of provident fund loans does not occupy the amount of provident fund loans, but because the whole family has used provident fund loans before, and this is also the second home purchased, it belongs to the second home loan, and the down payment is at least 60%.

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 their housing provident fund accounts:

(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.

"Regulations on the Management of Housing Provident Fund" Article 25 The employee's withdrawal of the storage balance in the housing provident fund account shall be verified by the unit to which he belongs, 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.

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that 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.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Does the withdrawal of provident fund have an impact on future loans?

Withdrawal of provident fund will affect future loans.

The influence of the withdrawal of provident fund on the later purchase;

If you only withdraw the provident fund and don't use the provident fund loan, then if you don't have a house under your name, you can use the provident fund loan according to the standard of the first home loan. However, if your lover has used provident fund loans before, although you have not taken up provident fund loans yourself, the down payment is 60% less because the whole family has used provident fund loans once before, and this is also a second home loan.

According to the above two situations, we can see that the criteria for determining provident fund loans have nothing to do with the withdrawal of provident fund loans, that is, if you want to buy a house according to the first set of provident fund loans, you must have no housing or provident fund loan records under the name of (family).

However, although the withdrawal of provident fund does not affect the number of provident fund loans, it also has an impact on provident fund loans; Directly affect the amount of provident fund loans.

Taking commercial housing as an example, the first suite of provident fund loans can be as high as 600,000, and the second set of housing provident fund loans can be as high as 600,000, after deducting the difference after the first use of housing provident fund loans. And before the loan is paid off, you can't use other houses to apply for provident fund repayment.

What is the impact of housing provident fund withdrawal on loans?

After the withdrawal of housing provident fund, the loan amount is affected to some extent, that is, the loan amount is determined according to the balance of housing provident fund account.

Taking Zhengzhou Housing Provident Fund as an example, according to the second loan amount in Article 4 of the Instructions for Housing Provident Fund Loans. The loan amount is also determined according to the following three situations:

1. The loan amount shall not exceed the corresponding maximum limit. If the husband and wife have continuously paid the housing provident fund in Zhengzhou City (including counties and districts, excluding industrial system) for more than 6 months, and they purchase housing in Zhengzhou City (including counties and districts) and apply for provident fund loans for the first time, the loan amount shall not exceed 600,000 yuan; In other cases, the loan amount applied for is not more than 400,000 yuan.

2. The loan amount shall not exceed the prescribed multiple of the deposit balance. That is, the amount of a single loan is determined according to the balance of the deposit account and the deposit time of the housing provident fund. The calculation formula is as follows: loan amount ≤ deposit account balance× (14-year deposit).

3. The monthly repayment amount of the loan shall not exceed 60% of the sum of the income of the borrower and spouse, and the loan amount shall be reduced accordingly.

Extended data:

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that 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.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.