Withdrawing the provident fund will not affect the loan to buy a house. \ x0d \ x0d \ provident fund loan conditions: \ x0d \ x0d \ 1. On-the-job employees with full civil capacity who have paid the housing provident fund in full; \ x0d \ x0d \ 2。 Continuous normal deposit of housing provident fund for more than twelve months; \x0d\\x0d\ 3。 Purchase and build self-occupied housing within the administrative area, and have paid off the purchase price above the prescribed down payment ratio; \ x0d \ x0d \ 4。 Good personal credit, stable economic income and the ability to repay the principal and interest of loans; \x0d\\x0d\ 5。 Agree to use the purchased house as loan collateral, or provide a guarantee approved by the management center. \ x0d \ x0d \ provident fund loan processing flow: \ x0d \ x0d \ 1. The lender needs to submit a written application for housing provident fund loan to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information: \ x0d \ x0d \ (1) the deposit certificate of the applicant and spouse's housing provident fund; \x0d\\x0d\ (2) Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident ID card and household registration book) and proof of marital status; \ x0d \ x0d \ (3) Proof of family income stability and other proof of creditor's rights and debts that have an impact on repayment ability; \ x0d \ x0d \ (4) valid documents such as house purchase contract and agreement; \ x0d \ x0d \ (5) Collateral, pledge list, ownership certificate, certificate of consent of the person who has the right to dispose of the mortgage and pledge, and mortgage evaluation certificate issued by relevant departments; \ x0d \ x0d \ (6) The Provident Fund Center requires a third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, lender and third-party guarantor * * * sign a tripartite contract. \ x0d \ x0d \ (7) Other information required by the provident fund center. \x0d\\x0d\ 2。 Banks promptly accept and review loan applications with complete information and submit them to the provident fund center in time. \x0d\\x0d\ 3。 The provident fund center is responsible for approving loans and informing banks of the approval results in a timely manner. \x0d\\x0d\ 4。 The bank informs the applicant to go through the loan formalities according to the examination and approval results of the provident fund center, and the borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for examination and approval. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract. \x0d\\x0d\ 5。 If there is mortgage guarantee, the borrower shall go through the mortgage registration formalities at the property right management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.