The provident fund plays a great role and can be used to borrow money to buy a house. Can I still get a loan after the housing provident fund is withdrawn? PChouse, let's take a look.

After withdrawing the provident fund, you can borrow money. Only the provident fund has been withdrawn, and the provident fund loan is useless. This situation can be handled according to the standard of provident fund loan for the first suite, but since the provident fund has been withdrawn, its account balance will be small, which will affect the amount of provident fund loan.

You can still borrow money after withdrawing the housing provident fund, but you can't use the balance in your account to pay the down payment when applying for the housing provident fund. Whether you can use provident fund loans depends on the relevant policies of real estate. Generally speaking, the provident fund can only be used for loans, not for down payment. You can also use your own purchase activities or other supporting materials to extract after buying a house for repayment.

Can I buy a house with a provident fund loan after withdrawing the provident fund?

First, whether provident fund loans can be used after the withdrawal of provident fund.

It is understood that whether to withdraw housing provident fund has no effect on provident fund loans. As long as the deposit is normal and meets the conditions of local provident fund loans, you can apply for local provident fund loans to purchase houses.

Although the withdrawal of provident fund does not affect the number of provident fund loans, it also affects provident fund loans; The most direct thing is to affect the amount of provident fund loans.

Taking commercial housing as an example, the maximum amount of provident fund loan for the first suite can reach 600,000, which does not exceed 70% of the total house price, and the amount within 90 square meters does not exceed 80%; The maximum amount of the second housing provident fund loan is 600,000 yuan, after deducting the difference after the first use of the housing provident fund loan. And no more than 40% of the total house price.

At the same time, the applicant has withdrawn the housing provident fund once before. In this case, he can also apply for a housing provident fund loan, but he cannot withdraw the provident fund to pay the down payment. In other words, the applicant does not have enough money to pay the down payment and needs to withdraw the balance in the provident fund account to pay. Applicants can only borrow money from relatives and friends to pay the down payment, get relevant documents to apply for a loan, and then withdraw the balance from the provident fund account to repay the loan.

2. What are the conditions for housing provident fund withdrawal?

1, purchase, build, renovate and overhaul owner-occupied housing; Among them, "purchase" means that employees buy houses and have the ownership of the houses they buy, which can be public houses, commercial houses, affordable housing and second-hand houses. "Construction" refers to houses built by urban residents with the approval of real estate management agencies, urban planning management agencies and other departments; "Renovation" refers to the complete demolition, design and reconstruction of houses; "Overhaul" refers to the need to affect or dismantle some major components of the house, but it is not necessary to completely demolish the house.

2. Retired workers;

3, completely lose the ability to work, and terminate the labor relationship with the unit;

4. Go abroad to settle down;

5. Repay the principal and interest of the house purchase loan;

6, the rent exceeds the prescribed proportion of family wage income;

7. The employee dies or is declared dead.

Third, the provident fund loan process

1. The purchaser shall apply for a loan application form at the housing provident fund management core with the Commodity House Sales Contract or the Loan Contact Sheet, and the applicant shall fill in the Housing Provident Fund Loan Application Form as required according to the prompt.

2. Ask someone to take your ID card or the auxiliary borrower's ID card and prepare the household registration book (if there is no household registration book, a marriage certificate is required). Sometimes you need to go to the Civil Affairs Bureau to issue a marriage certificate or a single certificate. Take the commercial housing sales contract and the completed housing provident fund loan application form to the housing provident fund management core to review the loan amount and calculate the fees to be paid.

3. Materials to be submitted by the applicant: application form for housing provident fund loan, 4 originals and photocopies of commercial housing sales contract, 6 copies of house sales approval, 6 copies of maintenance fund receipt, 3 copies of house payment receipt (receipt amount = total house payment-loan amount), 4 copies of ID card of the purchaser, 0 copies of spouse ID card/kloc-,0 copies of husband and wife household registration book/kloc-,and 2 copies of marriage certificate or single certificate.

4, the applicant in the specified date to the housing provident fund management center agent bank window, and receive a bank receipt.

Can I still get a loan from the provident fund?

You can still get a loan after withdrawing part of the housing provident fund, but it may be difficult to apply for a loan if you withdraw all the housing provident fund and there is no balance in your account. After all, the balance of the provident fund is related to the loan amount. If there is no balance, it is naturally difficult for banks to approve loans. If the balance of the provident fund is only relatively small, there is still a chance to get a loan, but the loan amount may be relatively small.

I. Loan conditions

Housing provident fund loans are for individuals who have paid housing provident fund in full and on time (including non-"three noes" who have paid in different places) six months before applying for loans, and who have purchased their own houses in cities and towns in our city and have full capacity for civil conduct.

Second, the specific conditions

(A) primary housing mortgage loans

Housing workers who have paid housing provident fund in different places

Housing workers who have paid housing provident fund.

(B) Second-hand housing mortgage loans

To apply for individual housing provident fund loans, the following conditions shall be met at the same time:

1. The housing provident fund shall be paid in full and on time for 6 months (inclusive) before applying for the loan, and the provident fund account shall be in a normal state when applying for the loan;

2. Have full capacity for civil conduct, a stable income, and the ability and willingness to repay the principal and interest of the loan on schedule;

3. Personal credit information is in good condition and meets the requirements of central credit information. If the loan or credit card of either borrower or spouse is overdue for more than three consecutive installments (including three installments) and accumulated for more than six installments (including six installments) in the last two years, the loan shall be repaid in one lump sum, the loan principal or interest is overdue for more than 90 days (including), and the current status of the loan or credit card is overdue, and there are acts of dishonesty in the process of fund withdrawal, loan and post-loan repayment, as well as serious acts of dishonesty confirmed by other means, in principle, it shall not be investigated.

4. There are real transactions to buy second-hand houses in cities and towns in this city, and there are legal and effective real estate sales contracts;

5. The purchased house has obtained the property right certificate (property right certificate or house ownership certificate and state-owned land use certificate) and can be freely traded in the real estate registration agency;

6. The house has gone through the formalities of house value appraisal;

7. Agree to use the purchased house as mortgage guarantee for the loan;

8. A Real Estate Sales Contract has been signed with the seller, and there are self-raised housing funds not less than 20% (inclusive) of the purchased house price;

9. There is no outstanding provident fund loan balance between the husband and wife of the loan applicant;

10, other conditions stipulated by the housing provident fund center.

Can I still get a loan after the housing provident fund is withdrawn?

Yes, but the loan amount will be limited. Specifically, you can apply for a loan. You can apply for a loan as long as there is money in your account. However, there is a time limit after the provident fund is withdrawn. Consult the local provident fund office for details. Prepare the applicant's ID card, proof of marital status, etc. Go to the provident fund center, wait for the window staff to make a preliminary examination, meet the conditions, and then apply for a loan. To apply for a loan, you need to go through the relevant procedures, and those who do not meet the requirements will be notified in time. At present, you can make an appointment in advance, but you must submit your personal information online and print the form before going to the window. Generally speaking, loans are only related to the amount of deposits and have nothing to do with withdrawals. The account amount of the provident fund directly affects the loan amount. If there is a balance after withdrawal, you can borrow money. Housing accumulation fund refers to social welfare for housing, which is universal and compulsory. Mainly used for employees to buy, build, rebuild, overhaul, decorate their own houses or pay rent. It is mainly 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.