Can I withdraw the provident fund after Yangzhou provident fund loan? If you want to withdraw funds from the provident fund account when buying a house, you must remember to apply after the mortgage bank lends money, otherwise it will affect the amount of the provident fund. Can I withdraw the provident fund after Yangzhou provident fund loan?

Can I withdraw the provident fund after Yangzhou provident fund loan? 1 Yangzhou provident fund can be withdrawn after the loan. However, the corresponding conditions must be met. After the ordinary provident fund loan, 12 months later, you can apply to the provident fund center for monthly repayment (not exceeding the balance of the provident fund) with the commercial housing sales contract, purchase invoice or receipt registered by the housing management department.

Those who have applied for housing provident fund loans can apply to the local housing provident fund management center for withdrawing the balance of individual housing provident fund accounts with relevant supporting materials after repaying the housing provident fund loans for 12 months and meeting the housing provident fund loan conditions stipulated by the local housing provident fund management center. According to different reasons for withdrawal, there are certain restrictions on the withdrawal amount of housing provident fund.

Workers with the extraction certificate, to the unit to extract the application of housing provident fund, the unit after verification, issued by the extraction application. Employees of centralized sealed households apply for withdrawal to sub-centers or management departments.

Matters needing attention in drawing provident fund

1. Account balance: Do not withdraw the provident fund casually at ordinary times, because the balance of the provident fund is related to the loan amount in the future. Simply put, the amount of provident fund loans is directly linked to the balance of provident fund accounts.

2. Withdrawal times of provident fund: The maximum loan for individual provident fund is 500,000 yuan to buy a house, and the maximum one-time loan for both husband and wife is 1 10,000 yuan. Everyone can only use the provident fund to buy a house twice at most.

3. Extraction criteria: Employees who don't own a house and are not the spouse of the owner of the house can't withdraw the housing provident fund to pay the house purchase price or repay the principal and interest of the house purchase loan.

4. Withdrawal time of provident fund quota: If users want to apply for provident fund loans, they may not apply for provident fund withdrawal business before this.

5. Withdrawal order: If you want to withdraw funds from the provident fund account when buying a house, you must remember to apply for withdrawal after the mortgage bank lends money. If the bank applies for withdrawal before lending, it will affect the amount of the provident fund.

Can Yangzhou provident fund be withdrawn after loan? 2 loan interest rate:

If the loan term is within 1 year (inclusive), the contract interest rate shall be implemented, and the interest shall be adjusted according to the legal interest rate, and the interest shall not be calculated in installments. If the loan term exceeds 1 year, the new interest rate will be implemented according to the corresponding interest rate grade from the next year of interest rate adjustment.

Loan term:

1, which shall not exceed 30 years at the longest;

2 shall not exceed the remaining service life of the purchased house and its land use right;

3. The borrower's loan period and the borrower's age shall not exceed the national statutory retirement age, and the repayment period may be extended by 5 years.

Adjustment of the maximum amount of housing provident fund loans in Yangzhou: the maximum amount of housing provident fund loans for single employees is adjusted from 300,000 yuan to 360,000 yuan, and the maximum amount of housing provident fund loans for dual employees is adjusted from 500,000 yuan to 600,000 yuan. The adjustment policy has been implemented since April 24, 2022, and the housing provident fund loans accepted before April 24 are still implemented according to the original policy.

When we use the provident fund for loans, the loan interest rates vary from place to place. For Yangzhou housing provident fund interest rate, it is generally divided into different loan interest rates according to the loan years. In addition, when handling mechanical energy loans, it is generally necessary to provide purchase contracts, income certificates and other materials.

Can I withdraw the provident fund after Yangzhou provident fund loan? 3 Yangzhou housing provident fund loan basic conditions

1, first of all, you must have a valid residence identity card, and the housing provident fund paid in full and on time must be over six months, with a complete balance and unused.

2. There must be legal and effective proof materials such as the Commercial Housing Sales Contract or the proof that the functional department has approved the construction. Housing renovation and overhaul procedures.

3, to have a relatively stable economic income and the ability to repay the loan principal and interest on schedule.

4. There is a minimum down payment certificate and relevant regulations.

5. Guarantee methods recognized by the Center shall be provided.

6. Meet other relevant conditions stipulated by the Center.

Note: The above conditions are indispensable! In addition, anyone who does not meet the conditions can't get a loan!

Second, the loan process

(a) loan application, the loan applicant shall provide true and complete application materials as required, apply for a loan to the branch, and cooperate with the loan investigation and audit.

(two) after accepting the loan, the branch shall review the materials submitted by the loan applicant.

(3) Loan approval: The branch shall complete the loan approval within 2 working days according to the procedures of preliminary examination, review and approval, and notify the loan applicant of the approval result.

(4) After the signing of the contract and the approval of the provident fund loan, the loan applicant shall sign a Class A entrusted loan agreement with the branch and the entrusted bank, and then sign a provident fund loan contract (hereinafter referred to as the loan contract) and other agreement documents with the entrusted bank, and specify the guarantee matters in the relevant clauses.

(V) Loan guarantee: The loan applicant shall go through the guarantee formalities according to the loan contract, and submit relevant guarantee documents that meet the guarantee implementation conditions, such as the real estate registration certificate with clear ownership, to the branch or the entrusted bank.

(6) Loan issuance: For loan applications guaranteed by existing branches and meeting other loan conditions, the entrusted bank will issue loan applications, and after confirmation by the branches, the loan funds will be paid to the entrusted loan fund account of the entrusted bank through direct payment; The entrusted bank shall pay the loan funds to the designated collection account in accordance with the loan contract, and notify the borrower of the loan release results in time after lending.