Buy a house with a provident fund loan, and the provident fund may still be available after the house payment is paid. Whether or not the provident fund depends on how much you pay and how much you pay back. If you keep paying back, there will still be a balance in your account after the loan is repaid. If you don't pay, there will be no provident fund. The process of handling provident fund loans is as follows:

1. Employees need to go to the housing provident fund management center or relevant state agencies to handle important housing provident fund business;

2. After the employee applies for housing provident fund, the housing provident fund management center will give a reply of allowing or not allowing the loan within 15 working days after accepting the application, and notify the applicant by SMS. If the loan is granted, the relevant entrusted bank shall go through the formalities of provident fund loan;

3. Employees applying for housing provident fund need to provide the guarantee conditions required by institutions.

The conditions for handling provident fund loans are as follows:

1. Borrowers applying for provident fund loans need to have full capacity for civil conduct and hold valid identity documents before they can handle business;

2. The borrower's husband and wife have no bad credit records and meet the national audit standards;

3. Have a stable source of income and the willingness and ability to repay on time;

4. Real purchase behavior, in which the purchase behavior occurred within one year, the source of the house was clear, the procedures were complete, and there was no legal dispute;

5. There are no outstanding other provident fund loans;

6. The purchased house will become the mortgage condition of the institution; Or provide a guarantee in a way recognized by the state.

legal ground

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