The black screen of credit information will not affect the provident fund. Personal credit information has nothing to do with the withdrawal of provident fund, and the balance of provident fund in personal account belongs to individuals. The withdrawal conditions of the provident fund are as follows: 1, purchase, construction, renovation and overhaul of self-occupied housing; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the house purchase loan; 6, the rent exceeds the prescribed proportion of family wage income. 7. The employee dies or is declared dead. Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. Legal basis: "Regulations on the Management of Housing Provident Fund": Article 24 Under any of the following circumstances, employees may withdraw the storage balance in the employee's housing provident fund account: (1) purchasing, building, renovating or overhauling self-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.

Second, but if one party has problems with credit reporting, can it still use provident fund loans to buy a house?

You can't. When a couple buys a house after marriage, they should check the credit information of both parties. If there is a problem with one party's credit information, it is not allowed to borrow money to buy a house, not to mention the provident fund, even a commercial loan.

Third, there is a problem with credit reporting. Can the provident fund be used?

You can't use it, because all your funds, including commercial loans, provident fund withdrawals and loans, will be affected after the current credit report is faulty.

4. Can I use the provident fund to buy a house with a bad personal credit record?

can