Generally speaking, commercial loans can be used to withdraw the housing provident fund, because as long as the employees who have paid the provident fund meet the conditions for withdrawing the provident fund, they can go to the local housing provident fund management center to withdraw the provident fund according to the process with the purchase contract, invoices, valid identity documents, bank savings accounts and other materials.

Second, the specific analysis

What are the procedures for withdrawing provident fund?

1. First submit an application for withdrawal of provident fund to your own company, and fill in the application form and affix the company's official seal after it is approved by the company.

2. After being stamped with the official seal, you can take relevant materials (application for housing provident fund withdrawal, detailed list of housing provident fund withdrawal) and a copy to the provident fund center for withdrawal.

3. After completing the above procedures and submitting the application for housing provident fund withdrawal and the supporting materials of the unit again, a special staff member will hand over your materials to the next department for review.

4. After all the staff members have completed the audit, they shall submit it to the leaders of the provident fund center for approval and decide whether they can withdraw the provident fund. It is worth mentioning that this process will take a long time, so don't worry too much.

If it is not because of overdue illegal households, then we should look for other reasons, such as whether the frequency of applying for online loans is too high. If you are not clear, you can go to Beijian to check. As long as you know what causes you to become a black household, you can improve online loan big data according to the reasons.

3. Can I withdraw the housing provident fund without a loan?

You can withdraw the provident fund without a loan, and you can apply for withdrawal of the provident fund if you meet the following conditions.

1. Buy your own house

In this case, it is necessary to provide the purchase contract, agreement or other proof. There will be some differences in the policies of purchasing houses and withdrawing provident funds in different regions, and the number and amount of withdrawal will be different. You can know in advance.

2, the construction of self-occupied housing

It is necessary to provide approval materials or other supporting materials from administrative departments such as construction and land, and the amount of withdrawal will also be limited.

3, renovation, overhaul occupied housing

If it is necessary to provide approval materials or other supporting materials from the planning administrative department, and the provident fund is withdrawn for this reason, the withdrawal amount is also limited, subject to the notice of the local provident fund center.

I went through the retirement formalities.

In this case, you need to submit retirement certificate information to the provident fund center to withdraw the provident fund. If some employees pay more provident fund during their employment, it is also a lot of wealth to withdraw provident fund after retirement.

5, completely lose the ability to work

This requires the provision of proof of complete incapacity and proof of termination of labor relations. You can ask the local authorities to issue a certificate to withdraw the provident fund.

6, five years shall not be re employment.

After terminating the labor relationship with the employer, you can also apply for withdrawing the provident fund without re-employment for five years, but you need to provide unemployment certificates and related materials.

7. Leave this country and settle down

If you withdraw the provident fund for this reason, you need to provide proof of leaving the country to settle down. After the information has been audited by the provident fund center, the paid provident fund can be taken out in full at one time.

8, the province's checkout.

For example, if the registered permanent residence moves out due to employment or other reasons, you can take out the provident fund paid by the original province, but you need to provide proof of migration.

9. Repaying the principal and interest of mortgage loan

This requires the provision of housing loan contracts, usually to hedge repayment and sign relevant agreements.

There are two ways to repay mortgage principal and interest with provident fund: monthly hedging and annual hedging, which can be judged according to your actual situation.

After finishing the provident fund hedging business, you should also pay attention to the balance of the provident fund account in time. If you find that the balance of the provident fund account is not enough to repay the principal and interest of the mortgage, you need to make up the shortfall, otherwise your mortgage will be overdue.

10, pay the rent

It is necessary to provide proof of salary income and house lease contract, and there is a limit on the number of times to withdraw provident fund on the grounds of paying rent. In some areas, it is stipulated that it can only be withdrawn once a year, and the amount of withdrawal cannot exceed the rent expenditure.

1 1, terminate the labor relationship with the unit.

If the labor relationship with the company is terminated and the provident fund account has been sealed for 6 months, the provident fund can be withdrawn, and the household registration certificate and the certificate of termination of labor relationship can be provided to the provident fund center. After the approval, you can withdraw the provident fund.

12, in line with other regulations.

For example, immediate family members who need medical treatment due to illness can also apply to the provident fund center to withdraw the provident fund to pay medical expenses.

It can be seen that you can apply for withdrawal of provident fund regardless of whether you have a loan or not. As long as the relevant conditions are met and the corresponding certification materials can be provided, you can apply to the provident fund center for withdrawal, and the scope of use of the provident fund balance is still relatively wide.