The principal and interest of housing provident fund loans can be extracted from the balance stored in my provident fund account for repayment of loans.

1. If the balance in my provident fund account is insufficient, I can withdraw the balance in my spouse's or borrower's provident fund account, but it needs the written consent of the withdrawn person. If the borrower needs to withdraw the balance stored in the provident fund account, it shall apply to the entrusted bank and sign the "Withdrawal of Housing" after examination and approval. Power of Attorney for Repaying Personal Housing Loan from Provident Fund shall be withdrawn by the entrusted bank by transfer.

2. The annual interest rate of provident fund loans 1-5 is 4.59%, and it is 5.04% in 6-30 years. The maximum amount of provident fund loans was adjusted from July this year 1 from 400,000 to 600,000. The longest loan period is 30 years.