How many times a provident fund can be withdrawn in a year depends on the following situations.

1. Withdraw the provident fund to buy a house

If you plan to withdraw the provident fund to buy a house in full, you can generally withdraw the housing provident fund in full once every quarter, and you can withdraw it at most in a year. 4 times, there are not many restrictions on the amount of provident fund withdrawal when buying a house. You can withdraw the full amount of provident fund paid, which is quite user-friendly for you.

It should be noted here that some cities do not support the withdrawal of provident funds as a down payment for home purchases. This is something that needs to be confirmed with the local provident fund center to avoid affecting your home purchase plan.

2. Withdraw the provident fund to repay the mortgage loan

If you withdraw the provident fund to repay the mortgage loan, there are generally two ways. One is to withdraw it on a monthly basis to offset the mortgage loan; the other is to withdraw the provident fund to repay the mortgage loan. One is to withdraw on an annual basis and deduct the mortgage amount that needs to be repaid in one year at a time. You can choose according to your actual situation.

Using provident funds to repay a mortgage does not require active withdrawal of provident funds. As long as these services are handled, the system will automatically deduct funds from your provident fund account on the repayment date.

If the balance in your provident fund account is insufficient to repay the mortgage, you need to make up the shortfall before the mortgage repayment date expires, otherwise your mortgage will be overdue.

3. Withdraw provident fund to pay rent

Withdrawal of provident fund to pay rent can generally only be withdrawn once a year. There is also a limit on the amount of provident fund withdrawal, which cannot exceed one year. Rent costs.

When withdrawing the provident fund to pay rent, you need to provide a contract that meets the requirements of the local provident fund center, otherwise the provident fund will not be withdrawn smoothly.

4. Overhaul or renovate your own house

In this case, apply to withdraw the provident fund. Normally, you can only withdraw it once a year, but you can apply for the provident fund under these conditions. It is not that simple. The main structure of the house must be replaced before major repairs can be carried out, and certification materials from relevant departments must be provided. It is best to understand it in advance and make relevant preparations as required.

5. Retirement, settling abroad, or relocation of household registration

In this case, you can prepare the information as required and withdraw the provident fund in full. What are the specific information that need to be submitted? , you need to refer to the notice from the local provident fund center. If there are problems with the prepared information, the withdrawal may fail.

If you withdraw provident fund for different reasons, there will be different restrictions on the number of withdrawals. The details shall be subject to the notice of the local provident fund center.

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Extended information:

How many times can a provident fund loan be repaid in a year?

Premium repayment of provident fund loans can be made once a year, but the regulations of different regions and banks may be different. The specific local policies shall prevail.

Most banks require at least one year of repayment before you can apply for early repayment, but some banks say you can apply for early repayment at any time. Users can consult the handling bank before applying.

Provident fund loans refer to loans enjoyed by employees who have paid housing provident funds. All employees who have paid housing provident funds can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.