How long can I refinance after the provident fund is paid off?
Generally, it will take half a year after the provident fund is paid off.
Generally speaking, if an individual does not use the housing provident fund again within six months after paying off the loan from the housing provident fund management center, he can apply for a provident fund loan again, which is subject to the rules of the local housing provident fund management center.
Under normal circumstances, after the housing provident fund loan is settled, it will take another half year to apply for the provident fund loan again. According to the relevant rules, if you want to use the provident fund loan to buy a second house, you can only handle it when the first housing provident fund loan has been settled. In most areas, the interval between the first set of housing provident fund loans and the second set of housing provident fund loans has been determined, which will take at least six months.
When applying for the provident fund loan for the second time, the bank will focus on checking the repayment of the first provident fund loan and whether the applicant meets the conditions for applying for the provident fund loan again, so the first provident fund loan must be repaid on time.