Legal analysis: the applicant applies to the original commercial housing mortgage loan bank to repay the principal and interest of the housing mortgage loan in part or in full in advance, and promises in writing that he has obtained the consent of the bank, and at the same time obtains the loan balance certificate and loan details certificate confirmed by the bank seal, and makes an appointment for the applicant to transfer the loan to the public through the online service platform of the provident fund center. After the approval, he signed the contract, went through the loan procedures such as guarantee, and waited for the entrusted bank to lend money.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.