After handling the commercial loan, the borrower may apply to the deposit bank for withdrawing the balance in the provident fund account. The application procedure is generally as follows: the borrower writes a written application, and after submitting it to the unit for approval, he brings the original or photocopy of the real estate license (with the seal of the loan bank), the provident fund passbook or provident fund card, and the original ID card to the special window of the bank where the account is opened for withdrawal. From the first withdrawal, you can apply for withdrawal once every six months until the withdrawal amount is consistent with the principal and interest of the bank loan.

Borrowers who pay the provident fund on time and meet the conditions for provident fund loans may apply for provident fund loans without using provident fund loans. If you have applied for a provident fund loan, as long as you pay off the loan, the borrower's provident fund deposit meets the requirements (Guangzhou hukou needs to be 6 months; Foreign accounts must be paid in full continuously 12 months), and you can apply for provident fund loans multiple times.