Provident fund loans can be taken twice, and the second provident fund loan must be applied for after the first provident fund loan has been paid off. It should be noted that the number of housing provident fund loan applications is calculated on a family basis. Regardless of whether any one person in the family has used a housing provident fund loan before or after marriage, if the total number of uses by the two people or the number of uses by one person has reached 2 times, the entire Families will no longer be able to use provident fund loans in the future.

You can still use provident fund loans if you have two loan records.

The housing provident fund refers to state agencies 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 groups and their employees Employees, long-term housing savings with equal contributions.

The definition of housing provident fund includes the following five aspects:

1. Housing provident fund is only established in cities and towns, and no housing provident fund system is established in rural areas.

2. The housing provident fund system is established only for employees on the job. The housing provident fund system is not applicable to unemployed urban residents and retired employees.

3. The housing provident fund consists of two parts, one part is paid by the employee's employer, and the other part is paid by the employee personally. After the employee's personal contribution is withheld by the unit, it is deposited into the housing provident fund's personal account together with the unit's contribution.

4. The long-term nature of housing provident fund deposits. Once the housing provident fund system is established, employees must make uninterrupted contributions in accordance with the regulations while on the job. Except for the employee's retirement or other circumstances stipulated in the legal basis: "Housing Provident Fund Management Regulations", it shall not be suspended or interrupted. It reflects the stability, uniformity, standardization and mandatory nature of the housing provident fund.

5. The housing provident fund is a personal housing savings deposited by employees in accordance with regulations and used exclusively for housing consumption expenditures. It has two characteristics, including accumulation and specificity. It is cumulative, that is, the housing provident fund is not an integral part of the employee's salary and is not paid in cash. It must be deposited into a special account opened by the housing provident fund management center in an entrusted bank for special account management. Special purpose: The housing provident fund is earmarked for special purposes. During the storage period, it can only be used to purchase, build, or overhaul self-occupied housing or pay rent according to regulations. Employees can withdraw the housing provident fund from their accounts only when they resign, retire, die, completely lose their ability to work, terminate the labor relationship with the employer, or move out of their original city of residence.

I hope the above content can be helpful to you. If you still have any questions, please consult a professional lawyer

Legal basis:

Second of the "Housing Provident Fund Management Regulations" Article 16

Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center.

Article 5 of the "Housing Provident Fund Management Regulations"

The housing provident fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may misappropriate it for other purposes.

Article 24 of the "Housing Provident Fund Management Regulations"

If an employee has any of the following circumstances, he or she may withdraw the balance in the employee housing provident fund account: (1) Purchase, construction , renovating or overhauling self-occupied housing; (2) retiring or retiring; (3) completely losing the ability to work and terminating the labor relationship with the unit; (4) leaving the country to settle; (5) repaying the principal and interest of the home purchase loan; (5) repaying the principal and interest of the home purchase loan; 6) 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, when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time. If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.