Legal subjectivity:

1. How much is the provident fund withdrawal amount? 1. Employees who repay the principal and interest of housing loans can withdraw once a year, and the account balance each withdrawal shall not exceed the current principal and interest payment. Forehead. When the loan is settled, the account balance will be as of the month the loan is settled; no withdrawals will be made after the loan is settled. 2. If the employee's personal account balance is less than the above withdrawal limit, his spouse, parents, and children can apply to withdraw their respective housing provident funds within the limit according to regulations. The total amount withdrawn by employees, their spouses, parents, and children shall not exceed the above limit. 3. Employees who rent housing for self-occupation can withdraw it once a year, and the account balance withdrawn each time shall not exceed 70% of the actual rent expenditure in the current period. 4. Employees who purchase, construct, renovate, or overhaul housing can withdraw the balance in their personal accounts. If they have not applied for a housing loan, the account balance can be as of the month when the housing purchase and construction contract is signed; the balance in their personal account exceeds the actual purchase or construction contract. The total expenditure on building a house shall be extracted based on the actual expenditure. 2. How to repay the provident fund mortgage loan in advance 1. The borrower can check the provident fund management center hotline, call and check the remaining loan amount, or enter the partial amount of the loan that he plans to repay in advance according to the voice prompts, and then bring his ID card to the local provident fund management center to apply for an appointment The amount to be repaid in advance. 2. The staff will provide the repayment applicant with an application form. For full repayment, fill in the "Housing Provident Fund Management Center Housing Provident Fund Loan Early Repayment Loan Application Form". For partial repayment, fill out the "Housing Provident Fund Management Center Housing Provident Fund Loan Early Repayment Loan Application Form". Partial Loan Application Form", then sign and seal, and provide corresponding materials. 3. After the applicant reconfirms the amount and date of early repayment, the applicant's application will be transferred to the corresponding entrusted bank for approval. 4. After the bank’s approval, the Housing Provident Fund Management Center’s approval will begin. 5. After receiving the notification of successful approval, the applicant can go to the bank to repay the applied repayment amount and interest. 6. The last step is ignored by many people. After successful early repayment, the early repayment form must be submitted to the local housing provident fund management center for filing. 3. How much provident fund loan can be made 1. (Personal deposit amount/personal deposit ratio-400)/repayment coefficient corresponding to every 10,000 yuan. 2. You can borrow up to 80% of the appraised value of the house you want to buy. 3. Generally, the maximum loan amount can be 800,000. If the credit rating is AA, the maximum loan amount can be 920,000, and the AAA credit rating can be up to 1.04 million. The above three articles also restrict the maximum loan amount of provident fund loans. If there is a difference between the three, the lowest loan amount shall prevail. Legal objectivity:

Article 24 of the "Housing Provident Fund Management Regulations" If an employee has any of the following circumstances, he or she may withdraw the balance in the employee housing provident fund account: (1) Purchase, construction, renovation, or overhaul Those who live in their own homes; (2) Retired or retired; (3) Those who have completely lost their ability to work and have terminated their labor relations with their units; (4) Those who have left the country to settle; (5) Those who repay the principal and interest of the home purchase loan; (6) The rent exceeds A prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.