You can still get a loan after withdrawing the housing provident fund, but you cannot withdraw the provident fund to pay the down payment.

If the provident fund withdrawn is used to pay the mortgage, then the refinancing may be counted as a second home. But whether it counts as a second home depends on whether the loan for the first home is paid off and whether the local provident fund policy is implemented, that is, paying off the loan before buying the first home counts.

The relevant regulations are as follows,

First, if the loan has been paid off and the local provident fund new policy has not been implemented, buying a house with a housing provident fund loan counts as two houses.

Second, if the loan is not paid off, it will be counted as a second set regardless of whether the local provident fund new policy is implemented.

The housing provident fund refers to state agencies 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 groups and their employees Employees, long-term housing savings with equal contributions.

The content of this article comes from: China Law Press "Complete Financial Laws and Regulations of the People's Republic of China: Including Relevant Policies"