In the previous paragraph, the remaining provident fund can be loaned twice.

In fact, no matter where you pay the provident fund, you can only apply for a provident fund loan twice.

In detail, if the employee's continuous deposit of housing provident fund meets the local requirements (for example, continuous deposit for more than six months), and the provident fund account is in a state of timely payment, personal credit is good, there is a stable income, and it meets the local housing purchase, please apply for a provident fund loan.

However, if you have bought a suite with provident fund loans and want to apply for provident fund loans again, you must pay off the previous provident fund loans before you can apply for provident fund law.

And if you have bought two suites with provident fund loans, you can buy a third suite regardless of whether the loan is a provident fund loan or not. If married, the provident fund loan under the spouse's name.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund, and apply for individual housing provident fund loans in accordance with the relevant provisions of the National Regulations on Provident Fund Loans.

Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their employment. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

The conditions of the loan are: the employees of the unit have signed labor contracts for more than 3 years; Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The Borrower agrees to handle the relevant documents required by the Housing Fund Management Center and its branches, such as the house purchase contract or house pre-certificate, and the deposit certificate of provident fund.

Letter of credit clause

1. Only employees who participate in the housing provident fund system are eligible to apply for the housing plus housing provident fund system.

2. To participate in the housing provident fund system, you must also meet the following conditions: that is, the housing provident fund deposit time is not less than the abnormal behavior of housing provident fund deposit, indicating that their income is unstable and they are paid.

3. If one spouse applies for a housing provident fund loan, he shall make a provident fund loan before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, the risk is great, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the amount of provident fund must be consistent.

Second, provident fund loans can only be used twice?

I don't know,

Withdrawal times of provident fund

1. The commercial loan can be withdrawn in one year 1 time. If you buy a house with a commercial loan, you can repay the housing provident fund loan in advance, and you can withdraw 1 time a year, and you can repay the amount in the previous year in advance each time.

2. If you can withdraw/kloc-0 times a year from the housing loan and repay the self-occupied housing loan to withdraw the housing accumulation fund, you can transfer/kloc-0 times a year, and the withdrawal amount does not exceed the principal and interest of the housing loan to be repaid within one year.

3. Rent can be raised 1 time a year. If there is no self-owned house upon examination by the provident fund center, if the rent of self-occupied house is paid and the housing provident fund is withdrawn, it will be withdrawn 1 time every year, and the withdrawal amount will not exceed one year's rent.

4, construction, renovation, overhaul occupied housing can only be extracted at one time, construction, renovation, overhaul occupied housing extraction housing provident fund, only a one-time extraction of valid documents before the approval of the month (including the month) housing provident fund storage balance, and shall not exceed the cost of construction, renovation, overhaul occupied housing.

3. What do you mean by two opportunities for provident fund?

That is to say, the provident fund can only be used twice, that is, it can be used once for the first time to buy a house, and once for the second time to buy a house, and it can no longer be used. The provident fund loan was not used for the first two times, but it can't be used for the third time. Provident fund loans are only bound for the first two times. If it is a family-based provident fund loan, there are only two opportunities, that is, if the husband and wife form a family loan together, it is also regarded as one time.

4. Can provident fund loans only be used twice?

Provident fund loans can only be used once. Rental of other housing, can be extracted once a year; If you rent a public rental house, you can apply for a monthly withdrawal transfer service, which can be withdrawn 12 times a year; For the repayment of housing loans, there is no limit to the number of withdrawals each year, and it can be withdrawn according to the repayment time. According to the law, employees who have paid the housing provident fund in accordance with Article 26 of the Regulations on the Management of Housing Provident Fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Warm reminder that the above answer is only for the current information combined with my understanding of the law. Please refer carefully! If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.