First, the premise of provident fund withdrawal is that the unit has frozen your provident fund account. In other words, only after the official resignation, the company will freeze the provident fund account and carry out the relevant specific withdrawal process. After withdrawing the provident fund, you can't enjoy the preferential interest rate for provident fund loans, and if you withdraw all the provident fund and the balance is zero, you can't apply for provident fund loans. Generally speaking, the maximum interest rate discount for provident fund loans can reach 30%, which is a great discount.

Second, whether the housing provident fund can be proposed after resignation depends on whether the location of household registration and the location of housing provident fund are consistent. There are two kinds of situations, which can't be taken out. First of all, hukou is the same as freezing provident fund. The second is that although the registered permanent residence is different from the frozen provident fund, it is in the same division, that is to say, the division code stipulated in the State Council is the same, usually the first six digits of the ID number.

Three, the local household workers to withdraw provident fund after leaving the job, must first obtain unemployment certificate, unemployment certificate, ID card, provident fund card to the relevant departments to handle the withdrawal business. If employees with foreign accounts want to withdraw provident fund after leaving their jobs, they need to prepare an application form for provident fund. They need to download from the local provident fund website, fill in and affix the official seal of the company, which can be prepared in advance; When leaving the company, the enterprise will issue a certificate of dissolution of the labor contract, with the original and a copy; Original and photocopy of ID card; Provident fund passbook or provident fund card, etc. Go through the withdrawal procedures at the provident fund management department.

4. Precautions for withdrawal of provident fund: If owner-occupied houses need to withdraw provident fund to repay the house purchase loan, they can apply for one-year transfer withdrawal, but the withdrawal amount cannot exceed the sum of the principal and interest of the house purchase loan to be repaid within one year; If you don't have a house under your name and want to withdraw the provident fund to pay the rent, you can withdraw it once a year, and the amount of withdrawal can't exceed one year's rent; If the provident fund is withdrawn for renovation, overhaul or purchase or construction of owner-occupied housing, only the balance of the provident fund recognized by valid documents can be withdrawn at one time.

Fifth, when withdrawing the provident fund, the staff will confirm whether the provident fund account is sealed. If it is sealed, the staff will ask you to sign a letter of commitment, the main content is that you will not withdraw the provident fund within two years on the condition of leaving your job. After signing, take the receipt to the designated window to withdraw money. You can withdraw cash or transfer money. If you want to transfer money, you must bring your bank card.

There may be some deviations in the provident fund policies in different regions. It is recommended to call the housing provident fund at 12329 for consultation.

Can I get a loan from the provident fund if I am unemployed?

1, with permanent residence or other valid residence status in this city and full capacity for civil conduct;

2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions;

3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time;

4. Pay the housing provident fund in full monthly 6 months before applying for the loan, and pay it in the process of handling the provident fund loan;

5. Personal credit is good. In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to non-borrower reasons such as bank management;

6. There are no other large debts that may affect the loan repayment ability;

7. The monthly expenditure for repaying various housing loans (including individual housing provident fund loans to be applied for) shall not be higher than 50% of the monthly household income, and the monthly household income shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure; 8. Other conditions stipulated by laws and regulations.

The fourth requirement is that the account must be closed in the process of applying for housing provident fund loans. Because your provident fund account was sealed after leaving your job, you can't apply for a housing provident fund loan when you are unemployed.

Can I apply for a provident fund loan when I buy a house in the unemployment stage?

According to the regulations, unemployed workers cannot apply for housing provident fund loans. However, if you buy a self-occupied house with ownership, you can withdraw the storage balance in the housing provident fund account.

Can I still use the provident fund loan to buy a house after leaving my job? What are the requirements?

Can I still use the provident fund loan to buy a house after leaving my job? What are the requirements? Come and have a look with me.

Sometimes, after people leave their jobs, they begin to think of using provident fund loans. Everyone wants to know that there are many conditions for applying for provident fund loans, so can you still use provident fund loans to buy a house after leaving your job?

Applying for provident fund to buy a house after leaving the company depends on whether there is a breach of contract. According to relevant laws and regulations, provident fund loans must be repaid. If you continue to pay fees after leaving your job (uninterrupted), it will not affect the provident fund loan. Once interrupted, the provident fund account will be temporarily sealed. In this case, it is impossible to apply for provident fund loans.

Conditions for buying a house with provident fund loans

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is the financial support provided when meeting the basic housing needs of workers' families, it is also a kind of financial support for housing security.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.