1, which will affect the amount of provident fund loans. The amount of provident fund loan is calculated according to the account balance within the maximum limit required by the local housing provident fund management center. The balance of the provident fund account will directly affect the loan amount. The lower the balance, the lower the loan amount;

2. It makes sense to withdraw the housing accumulation fund. If the user withdraws the housing accumulation fund on the grounds of renting a house, then the user will not be able to rent a house again to withdraw the accumulation fund within two years;

3. It will affect the appraisal of the second suite. Those with housing records, loan records or housing accumulation fund records can be identified as second suites, which will directly lead to an increase in the down payment ratio when handling mortgages.

The provident fund loan process is as follows:

1. Information provided by the loan applicant;

2. Receive and enter at the front desk of the management department;

3. Preliminary examination, review and approval;

4. Sign loan and mortgage guarantee contracts;

5, the guarantee company review;

6. Review by the entrusted bank;

7. The developer or borrower handles the mortgage;

8. Central loans. Although there are many steps, the time is not long. For example, employees who apply for provident fund loans can complete the process from receipt entry to notification interview within 15 working days. The three-level approval process of "preliminary examination, review and approval" is strictly controlled to be completed within 3 working days.

To sum up, the housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

Legal basis:

Article 25 of the Regulations on the Management of Housing Provident Fund

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. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.