Legal analysis: can be extracted.

The use of provident fund loans to repay commercial loans, you can apply for commercial housing provident fund loans:

First, the required conditions:

1. The personal account of the applicant's housing provident fund has been established for one year, and the housing provident fund has been paid monthly, fully and continuously in the past six months.

2. In the process of returning the commercial loan, the applicant has never been overdue for three consecutive installments or accumulated six installments.

Second, the handling process:

1, loan application. The borrower brings the loan information to the housing provident fund management department of the unit area to apply for a loan.

2. Loan approval. The loan application materials are complete, and the center implements "three-level approval".

3. sign the contract. After the approval, the borrower and the provident fund center, the entrusted bank signed the "individual housing provident fund loan contract".

Legal basis: Regulations on the Management of Housing Provident Fund

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) 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, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

2. What is the process of repaying commercial loans to Jinan Provident Fund every month?

1. After registered in the provident fund center in official website, the paid employees apply for an appointment to repay the loan. According to the personal housing provident fund account information displayed in the system and the information of participating in housing provident fund loans, the depositor selects the loan to be repaid and determines the time and place for handling. The system sends the reservation number, processing time and place to the mobile phone number registered by the employee in the form of SMS.

2. Deposited employees should bring the relevant materials of the appointment number to the housing provident fund service hall of the provident fund withdrawal service outlet (Shi Jing RoadNo. 17 165; Working hours are 9:00- 17:00) and overpass extraction outlets (in Luo Ji Road 127 CCB Tianqiao Sub-branch; Working hours are from 9:00 to 12:00, 13:00 to 17:00) to handle the repayment of housing provident fund loans.

3. Employees can go directly to the above two extraction service outlets to handle the loan repayment business within working days.

Third, can the housing provident fund still repay commercial loans?

First, you can consult commercial loan companies, banks and relevant provident fund centers to understand the policy.

Second, local conditions are different and policies are different.

Third, I wish you a smooth job, a developed career, a healthy life, a happy family and a happy New Year.

4. Can the provident fund repay commercial loans?

Legal analysis: the provident fund is a monthly payment, which can be used to repay commercial loans. For housing mortgage loans, whether using commercial loans or provident fund loans, the ultimate goal is to buy a house. According to the purpose of the provident fund, the provident fund can be used to repay the mortgage, and there is no requirement for the way of mortgage. Provident funds are mainly generated by providing housing convenience for users. Users who pay provident fund can buy real estate through provident fund loans, and users like to buy real estate with provident fund loans. The reason why users choose provident fund is mainly because the interest rate of provident fund loans is relatively low, and the interest rate of provident fund loans is obviously lower than that of commercial loans, especially for housing mortgage loans with long term, and the final interest paid is quite different. Users can save loan interest by choosing provident fund loans, which is also the main reason for the emergence of provident fund to reduce the pressure on users to buy houses. At present, the provident fund can not only apply for provident fund loans, but also withdraw the provident fund to repay the monthly payment of commercial loans. Users can withdraw the provident fund to repay the monthly payment of commercial loans as long as they apply to the provident fund center. As long as there is a commercial loan mortgage under the user name, users can initiate provident fund withdrawal online, and users can choose to withdraw the provident fund once a month. With the approval of the Provident Fund Center, the Provident Fund Center will transfer the monthly provident fund to the designated bank account according to the agreed time, and users can use the funds to repay the monthly payment of commercial loans.

Legal basis: Regulations on the Management of Housing Provident Fund Article 2 These Regulations are applicable to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.