After the housing provident fund is withdrawn, it is possible to buy a house by loan. However, the user needs to meet the conditions in advance to withdraw the cash successfully. For example, the borrower has participated in the housing provident fund deposit system and paid the housing provident fund in full for more than 6 months when applying for a loan, and the housing provident fund account is in normal state when applying for a loan; The borrower has a stable job and income and the ability to repay the principal and interest of the loan; The borrower's personal credit status is good; Paid the down payment for the house purchase as required. Under normal circumstances, housing provident fund loans require 20% down payment for houses with an area of less than 90 square meters and 30% down payment for houses with an area of more than 90 square meters; When the borrower applies for the housing provident fund loan, there is no outstanding housing provident fund loan in his or her spouse's name.
It can be seen that there is no condition that the borrower cannot apply for a loan after the withdrawal of the provident fund. Therefore, they can still apply for provident fund loans to buy houses after withdrawing the provident fund. However, it should be noted that the balance of Fuang provident fund account is one of the important factors affecting the amount of provident fund loans. Usually, the loan amount of housing provident fund is 10 -20 times of the borrower's personal housing provident fund account balance, that is, the higher the personal housing provident fund account balance, the higher the loan amount of housing provident fund that can be applied for. Therefore, when users have housing loan demand, it is best not to withdraw provident fund, so as not to affect the amount of provident fund loans.
Finally, I would like to remind you that there are many factors that affect the amount of housing provident fund loans. In addition to the balance of the borrower's personal housing provident fund account, the borrower's repayment ability, the price of the house purchased and the local housing provident fund amount are all factors that affect the housing provident fund loan amount. The minimum value determined by these factors is the maximum amount that everyone can apply for housing provident fund loans.