The specific provisions are as follows:

1. After the first housing provident fund loan is settled, if you apply for a housing provident fund loan again in the name of yourself or your spouse, it will be regarded as a second loan. For workers and families who apply for housing provident fund loans for the second time, they can only apply for housing provident fund loans for the second time after the first housing provident fund loans have been settled for five years.

2. The loan interest rate for the second application for housing provident fund is 1. 1 times the loan interest rate for housing provident fund in the same period.

3. The minimum down payment ratio for the second loan to purchase commercial housing is 20%. If you buy a second-hand house, the down payment ratio of the second loan shall not be less than 60%.

Withdrawal time of housing accumulation fund:

1, the housing provident fund can be withdrawn once a month when buying a house and using a mortgage loan, and the total withdrawal amount should not exceed the actual housing expenditure.

2. One-time purchase of houses to extract housing provident fund. Employees and their spouses can withdraw the housing provident fund in full once every quarter, up to four times a year.

3. Employees who purchase resettlement houses may apply for withdrawal of their housing provident fund. A set of demolition resettlement houses can only be extracted once. If the withdrawal amount is insufficient, the parents, spouses, children and co-owners of the purchaser may apply for withdrawal of their own housing provident fund. The total withdrawal amount cannot exceed the house payment paid by the employee.

4. Applicants who rent a house to withdraw housing provident fund can withdraw housing provident fund once a year, and the amount of each withdrawal shall not exceed the prescribed one-year withdrawal limit. If the applicant withdraws the housing provident fund to pay the housing lease fee, it shall be put forward during the housing lease period and go through the formalities for withdrawing the housing provident fund.

5, construction, renovation, overhaul occupied housing extraction housing provident fund. Apply for withdrawal of my housing provident fund. Self-built houses can only be extracted once. If the withdrawal amount is insufficient, the parents, spouses and children of the builder may apply for withdrawing their own housing provident fund. The cumulative withdrawal amount cannot exceed the construction expenses paid by employees.

legal ground

Article 15 of the Regulations of People's Republic of China (PRC) Municipality on the Management of Housing Provident Fund shall handle the deposit registration with the housing provident fund management center within 30 days from the date of employment, and handle the procedures for the establishment or transfer of employee housing provident fund accounts.