If the borrower has applied for a provident fund loan and the loan amount has been issued, then the borrower's withdrawal of provident fund has no effect on the provident fund loan.

If the borrower does not apply for a provident fund loan, withdrawing the balance from the provident fund account first will reduce his loan amount.

Generally speaking, the loan amount does not exceed the prescribed multiple of the deposit balance, and the single loan amount is determined according to the deposit account balance and the deposit time of the housing provident fund. The calculation formula is as follows: loan amount ≤ deposit account balance× (14+deposit period).

Suppose the borrower wants to apply for a loan amount of 200,000 yuan, then according to the provident fund loan formula, the balance in the borrower's provident fund account needs to have a loan amount of at least 654.38+00,000 yuan, and it is best to have a loan amount of more than 20,000 yuan to be on the safe side.

In addition, it is necessary to remind the borrower that if the borrower has never used the provident fund before, but someone else has withdrawn the account balance of the borrower's provident fund.

So for the whole family, we have already enjoyed a provident fund withdrawal loan, so when we buy a house again, it is calculated according to the mortgage of the second house, so the cost will be much higher.

Borrowers apply for loans too frequently or operate loans too frequently, which will increase personal credit risk. Just check the personal credit risk index in "Knowledge Check". The higher the risk score, the easier it is for the application to be rejected.

Extended data:

What is the impact after withdrawing the provident fund?

The impact of provident fund withdrawal is mainly reflected in the amount of provident fund loans.

Because the amount of provident fund loans is related to the balance of the provident fund account, generally speaking, it is 10-20 times of the balance of the provident fund account. If you plan to use provident fund loans in the future, you should be cautious in withdrawing provident fund.

In addition, in order to successfully withdraw the funds from the provident fund balance, it is necessary to meet the requirements of the local provident fund center, and the following points need to be met.

1, decorate and transform your own house.

2. Pay the rent.

3. Quit after retirement.

4. the labor force is completely lost.

5. Go abroad to settle down.

6. Repay the principal and interest of the mortgage loan.

7. Life is insecure.

8. Encounter unexpected events, causing economic difficulties.

9. terminate the labor relationship with the original unit.

10, the death of the payer shall be collected by the heir.

Relevant information needs to be submitted to the provident fund center, and then the provident fund center will examine and approve the accounts that normally transfer funds within 3 working days.