In short, after the cancellation of the provident fund account, as long as it meets the conditions for opening an account, it can be reopened, and the cancellation of the provident fund account will not affect personal credit.
Extended data:
Personal application for provident fund loan process
Individuals who need to buy a house, build a decorated house, rent a house or decorate a house can apply for a provident fund loan. The specific process is as follows:
1. The borrower brings all the loan materials, submits a written application to the outlet of the local housing provident fund management center, and fills in the Housing Provident Fund Loan Application Form;
2, housing provident fund is responsible for the loan qualification, guarantor qualification, loan amount, loan period review;
3. After passing the examination, the borrower signs relevant loan contracts and agreements and handles insurance;
4. The Housing Provident Fund Center issues a loan approval notice to the bank, and entrusts the bank to sort out the materials to the real estate transaction department for mortgage pledge procedures;
5. After the mortgage pledge certificate comes out, the bank sorts out the borrower's materials and sends them to the provident fund management institution for re-examination;
6. Pass the bank loan review.
Note that you cannot apply for provident fund loans in the following four situations:
1, the building structure is brick-wood structure and mixed structure;
2. Use for non-residential houses and low-density commodity houses;
3. Have used housing provident fund loans twice;
4 do not meet the conditions of other provident fund loans.
Application conditions for provident fund loans:
Provident fund loans are loans that employees who pay housing provident fund can enjoy. As long as you pay the provident fund, you can apply for individual housing provident fund loans in accordance with the relevant provisions of provident fund loans. The application conditions for provident fund loans are as follows:
1. The applicant has a permanent residence in this city or a valid residence certificate.
2. The applicant must continuously deposit the housing provident fund in full for at least 12 months before the application, or continuously deposit it for more than 12 months after withdrawing the provident fund.
3. Applicants need to have a legal and stable job and income, a stable economic income and the ability to repay loans.
4. The applicant shall have the contract or relevant supporting documents for purchasing, building, renovating and overhauling the self-occupied ordinary house in this city.
5. The applicant's personal credit should be good, meet other conditions stipulated by the provident fund center, and agree to guarantee according to the guarantee method recognized by the provident fund center.
6. If it is husband and wife, then both husband and wife must have no outstanding housing provident fund loans and housing provident fund policy discount loans.
Of course, the provident fund loan policies may be different in different places, so you'd better consult the relevant local departments and take the actual situation as the standard.