Many people think that only young people will apply for provident fund loans to buy a house, but in fact, many people who are about to retire will also need provident fund loans to solve the housing problem, but it is not clear what are the restrictions on provident fund loans. Can they still use provident fund loans when they are about to retire? Then let's take a look.

1. Can I still use provident fund loans when I retire soon?

Of course.

1. I'm about to retire, which means I haven't retired yet. As long as the provident fund account is paid normally and other application conditions are met, I can use the provident fund loan.

2. Retirement is imminent, which means that the borrower's age is close to 50 for women and 60 for men, and the sum of the borrower's age and the loan period is not more than 5 years after the statutory retirement age, so the period of using the provident fund loan again is relatively short, and the repayment pressure is relatively high.

Second, the application conditions of provident fund loans

1. The borrower has full capacity for civil conduct, and the property for which the loan is applied is within the local administrative area.

2. The borrower is an employee who normally pays the housing provident fund, and the current status of the provident fund account is normal.

3. The borrower's provident fund deposit reaches the specified period, such as normal continuous deposit 12 months or more.

4. The borrower and his spouse have good personal credit records.

5. The borrower and spouse have stable economic income and the ability to repay the principal and interest of the loan.

6. The borrower and spouse have no house or only one house.

7. The borrower and spouse's provident fund loans have not exceeded 2 times.

8. Other conditions stipulated by the provident fund center.