Business loan to obtain housing provident fund money:

1. Apply for a commercial loan: First, you need to apply for a commercial loan from the bank, provide real estate certificate, ID card and other relevant materials as required by the bank, and Sign relevant contracts and agreements;

2. Apply for withdrawal of housing provident fund: After obtaining commercial loan approval, you can go to the local housing provident fund management center to apply for withdrawal of housing provident fund. The materials that need to be provided include the applicant’s ID card, commercial loan approval document, house purchase contract, house purchase and sale invoice, etc.;

3. Review by the Housing Provident Fund Management Center: The Housing Provident Fund Management Center will review and extract the application materials and confirm Whether the applicant's withdrawal qualifications and withdrawal amount meet the regulations;

4. Fund transfer: After passing the review, the Housing Provident Fund Management Center will transfer the corresponding withdrawal amount to the applicant's designated account.

Regulations on the use of provident funds:

1. House purchase: You can use provident fund loans to purchase a self-occupied house, but there are certain restrictions, including loan amount, house purchase area, house purchase city, etc. Generally speaking, provident fund loans can be used to purchase second-hand houses or new houses, but commercial real estate is not allowed;

2. Decoration: Provident fund funds can be used to withdraw funds for housing decoration, but certain conditions need to be met. Such as cumulative deposit time, withdrawal amount, etc. The use of provident fund funds for decoration may also be different in different regions. You need to consult the local housing provident fund management center or relevant departments;

3. Repay the mortgage: You can use the balance in the provident fund account to repay the mortgage. However, you need to apply for withdrawal before repayment. For specific application methods and conditions, you can consult the local housing provident fund management center;

4. Medical care: You can use the provident fund to withdraw funds to pay for medical expenses that meet the reimbursement conditions. The scope and standards of provident fund medical reimbursement may also differ in different regions. You need to consult the local housing provident fund management center or relevant departments.

In summary, the specific regulations on the use of provident funds may vary from region to region and policy. For specific regulations, you need to consult the local housing provident fund management center or relevant departments to ensure that the use of provident funds is legal. sex and effectiveness. In addition, when using provident funds, you should comply with relevant regulations and requirements to avoid illegal activities and losses.

Legal basis:

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. No unit or individual may use it for other purposes.

Article 26

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.