1, affecting the amount of provident fund loans.

The balance of the provident fund account will affect the amount of provident fund loans. The amount of common provident fund loans is 10 to 20 times the balance of provident fund. Therefore, after customers withdraw the provident fund, it will affect the amount of future provident fund loans, which will have a greater impact on customers who intend to buy a house with provident fund loans.

However, the customer's provident fund account itself has a lot of money. If it can fully meet the future loan demand according to the regulations, in this case, the customer can still appropriately withdraw part of the provident fund to reduce his pressure;

2, affect the withdrawal of provident fund.

There are certain reasons for withdrawing housing provident fund. For example, users withdraw housing provident fund on the grounds of renting a house, and users will not be able to withdraw housing provident fund again within two years.

In addition, there is a limit on the number of withdrawals of the provident fund each year, and customers cannot withdraw the provident fund multiple times. Therefore, before deciding to withdraw the provident fund, customers need to make relevant preparations and try to withdraw the required funds at one time.

3, affecting the identification of the second suite.

Houses with purchase records, loan records or purchase withdrawal records can be identified as second suites, which will directly lead to an increase in the down payment ratio when applying for mortgages;

If it is recognized as a second suite, it may also lead to a decrease in the amount of provident fund loans applied by customers, an increase in loan interest rates, and greater pressure on customers to buy a house;

4. Unable to apply for provident fund;

After the customer withdraws the provident fund, if the balance of the provident fund account is too low, it may not be possible to apply for provident fund loans in the next few months, which will affect the customer's house purchase plan;

If the customer withdraws all the provident fund, it means that he can't apply for provident fund loans for a long time in the future, so if the customer has plans to use provident fund loans to buy a house, he should be cautious when withdrawing the provident fund;

5. It has an impact on the development of credit loans.

Personal credit loan products launched by some platforms may have requirements for provident fund. If the customer withdraws all the provident fund, the provident fund account may be sealed up. In this case, the platform will directly refuse to lend when applying for some loans.

It can be seen that customers' withdrawal of provident fund will have a great impact on themselves, and customers need to consider it clearly to ensure that these effects will not bring them great trouble.

If you need money urgently and want to withdraw the provident fund, you can withdraw it in the following ways:

1, I'll handle it.

The employee himself carries the original ID card, the deposit certificate of the provident fund and the relevant supporting documents for the purpose of withdrawing the provident fund, and chooses any management department or entrusts a bank agency to handle the withdrawal procedures;

2, the unit manager to deal with

The unit manager carries the original ID card, the personal authorization letter and commitment letter filled out by the applicant to apply for withdrawing the housing provident fund, and the relevant certification materials provided by the applicant to select any management department or entrust a bank agent to handle the withdrawal procedures;

3. entrust others to handle it

The client carries the original ID card of himself and the client, notarized power of attorney and relevant supporting documents provided by the client to withdraw the provident fund, and chooses any management department or entrusted bank agency to handle the withdrawal procedures.

To sum up, provident fund generally refers to housing provident fund. 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:

"Regulations" of housing provident fund management sixteenth

The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Article 18

The deposit ratio of employees and unit housing provident fund shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.