1. Only the provident fund is withdrawn, and the provident fund loan is not used. Therefore, if there is no house in the name and the provident fund loan is used, it can be handled according to the standard of the first home loan.
2. If the spouse has used provident fund loans before, although the withdrawal of provident fund loans does not occupy the amount of provident fund loans, because the whole family has used provident fund loans once before, and this is also the second suite purchased, it belongs to the second home loan, and the down payment is at least 60%.
According to the above two situations, it can be seen that the identification standard of provident fund loans has nothing to do with the withdrawal of provident fund loans, that is, if you want to buy a house according to the first set of provident fund loans, you must have no house under the name of (family) and no record of provident fund loans. However, although the withdrawal of provident fund does not affect the number of provident fund loans, it also has an impact on provident fund loans; The most direct thing is to affect the amount of provident fund loans.
Taking commercial housing as an example, the maximum amount of provident fund loan for the first suite can reach 600,000, which does not exceed 70% of the total house price, and the amount within 90 square meters does not exceed 80%; The maximum amount of the second housing provident fund loan is 600,000 yuan, after deducting the difference after the first use of the housing provident fund loan. And no more than 40% of the total house price.