There are many reasons for withdrawing the provident fund. Generally speaking, the purchase of a house is provided for withdrawal, or after using a loan (including a commercial loan) to purchase a house, it is withdrawn by the loan contract and repayment flow.

The approval of provident fund loans has little to do with whether you have withdrawn the provident fund or not, and has little to do with your current provident fund balance. It is mainly related to the continuity of your provident fund payment (depending on whether your company pays the provident fund in time), the monthly deposit amount and the estimated total deposit amount during the working period (that is, the existing provident fund balance+monthly deposit amount x estimated working months). The general loan amount does not exceed 2 times of the estimated total payment during the working period, but each city provident fund center has its own limit. You can check the restrictions in your city online.

I hope I can help you.