Provident fund loan is a common financing method for house purchase. In the process of buying a house, the paid provident fund will be used to deduct the loan principal and interest, pay interest and other expenses. But after the provident fund loan is paid off, can I take out the provident fund? According to the relevant regulations, after buying a house with a provident fund loan, if the loan balance is zero and there is no overdue repayment, you can apply to the local provident fund center for withdrawal. However, the withdrawal application must meet the following conditions: 1. Withdrawal amount: the amount of provident fund that can be withdrawn after buying a house with a provident fund loan is generally determined according to the actual number of months of deposit, the deposit base and the corresponding withdrawal ratio. 2. Withdrawal time: The withdrawal time of provident fund loan after buying a house is mainly divided into two situations. First of all, borrowers who have paid off their loans can apply to the provident fund center for withdrawal at any time. Secondly, for borrowers who are still in the repayment period, they need to wait until the repayment period expires and the loan balance is zero before they can apply for withdrawal. In addition, there are different ways to withdraw the provident fund after buying a house with the provident fund loan, including one-time withdrawal and installment withdrawal. The specific extraction method can be selected according to your own situation.
Loans overdue, the provident fund in the process of buying a house, can I apply for withdrawal of the provident fund? In the process of buying a house, loans overdue can't apply for withdrawing the provident fund. You must pay off the overdue funds and pay the provident fund on time before you can apply to the provident fund center for withdrawal.
After buying a house with a provident fund loan, if the loan balance is zero and there is no overdue repayment, you can apply to the local provident fund center for withdrawal. However, there are certain restrictions on the amount and time of withdrawal, and it is necessary to meet the corresponding conditions before withdrawal. If you have any questions or need further consultation, you can consult your local provident fund center or relevant institutions for help.
Legal basis:
"Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's housing provident fund account:
(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 leniently;
(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.