The balance after the provident fund loan can be withdrawn, subject to the corresponding conditions: 1, and the provident fund can be withdrawn for the purchase, construction, renovation and overhaul of owner-occupied housing; 2. Retirement and resignation can draw provident fund; 3. If you completely lose the ability to work and terminate the labor relationship with the unit, you can withdraw the provident fund; 4. Those who leave the country to settle down can withdraw the provident fund; 5. If you repay the principal and interest of the house purchase loan, you can withdraw the provident fund; 6. If the rent exceeds the prescribed proportion of family wage income, you can withdraw the provident fund.

legal ground

"Regulations on the Management of Housing Provident Fund" Article 21 The housing provident fund shall bear interest at the interest rate stipulated by the state from the date of deposit in the employee housing provident fund account.

skill

The above answers are only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

How much do I need to keep the balance of provident fund loans?

There are two explanations for the balance of provident fund loans, one is the account balance before provident fund loans, and the other is the account balance after provident fund loans.

1 balance before provident fund loan: Generally speaking, when handling provident fund loan, the amount of provident fund loan is 10-20 times of the balance of provident fund account within the maximum limit of provident fund. Therefore, before completing the provident fund loan, the account balance should be able to meet your own loan needs. For example, if you need a loan of 600,000 yuan, and the local provident fund loan amount is 10 times of the account balance, then you need to ensure that the provident fund account balance is not less than 60,000 yuan.

2 Balance after the provident fund loan: After the loan is successful, the provident fund generally has no strict requirements on the remaining balance of the account, and users can handle the account balance within the scope specified by the housing provident fund management center. For example, you can hedge the balance of the provident fund account; You can withdraw the provident fund once a year; You can also apply for early withdrawal of provident fund.

Can I get the balance paid before after the provident fund loan?

First of all, the balance after the provident fund loan can be withdrawn, but it must meet the corresponding conditions. After the general provident fund loan, you can apply to the provident fund center for monthly payment (not exceeding the balance of the provident fund) with the commercial housing sales contract, purchase invoice or receipt registered by the housing management department after 12 months.

First, how to withdraw the balance after the provident fund loan

If the buyer does not withdraw the housing provident fund when buying a house and does not apply for a housing provident fund loan, he can apply for withdrawing the balance of the provident fund in the account when buying a house; If the purchaser fails to withdraw the provident fund at the time of purchase and applies for a housing provident fund loan, he can also withdraw the housing after 1 year, and apply to the provident fund center for monthly payment by virtue of the commercial housing sales contract, purchase invoice or receipt registered by the housing management department; If the purchaser purchases the house again after handling the housing provident fund loan, he can withdraw the housing provident fund according to the materials extracted from the house purchase, and the withdrawal amount is the account balance after deducting the loan amount. 4. If the buyer fails to repay the loan after handling the housing provident fund loan, he can withdraw the extractable amount according to the loan repayment in the previous year. The extraction materials can be prepared according to the loan repayment. 5. After the down payment is paid, the buyer who buys a new house can withdraw it by virtue of the purchase contract and the unified invoice for real estate sales (pre-purchase or purchase); After the down payment, the buyer of the second-hand house can withdraw the money with the stock house sales contract (or the stock house transaction fund custody agreement) and the stock house transaction fund custody certificate (the transaction fund is 30% or more of the house transaction price).

Second, what should I do if the provident fund stops lending after the provident fund loan?

After the provident fund loan is suspended, it needs to be repaid on time every month, but it must continue to be paid after three months of suspension, otherwise the provident fund loan will be affected. When an individual resigns or the provident fund is suspended or sealed, it will not affect the provident fund loan, but the individual should pay attention to saving money in the loan card on time to ensure that there is money in the monthly account to repay the loan, so as not to affect the loan deduction.

Generally speaking, when the provident fund loan is approved, the whole loan process has been completed, so there is no need to worry about the payment of the provident fund. However, it should be noted that provident fund is a kind of affordable housing system. If the provident fund is approved, the supply will be cut off, which may be considered as fraudulent welfare. After all, the interest rate of provident fund loans is very low, which is much less than the pressure of commercial loans.