First, how to borrow the provident fund to buy a car. The provident fund loan cannot be used to buy a car. The main purposes of housing accumulation fund are as follows: 1. When you need to buy a house and need a loan, you can apply for a loan (300,000 or 200,000) according to n times of the balance in the provident fund account as long as you pay the provident fund normally and there is a certain balance in the provident fund account for one year (half a year in some places), and the loan interest rate is lower than that of commercial mortgage. 2. When building, renovating or overhauling self-owned housing, you can apply to the provident fund management center for withdrawal of the provident fund with relevant supporting documents and materials. 3 housing loans (including commercial mortgage housing loans), during the repayment period, you can use the relevant information to withdraw the provident fund to repay the loan principal and interest. 4. If your house is leased, when the monthly rent exceeds the family wage income and affects the normal expenditure, you can apply for drawing provident fund to subsidize the rent. The withdrawal and use of the provident fund must be related to housing, otherwise it can't be withdrawn (it can't be fully withdrawn until you retire and settle abroad). Second, how to borrow money to buy a car? You need to book a car before you go through the loan formalities. Negotiate specific preferential policies with the sales staff of 4S stores, including car price concessions, giving or buying decorations, and other expenses. Submit loan procedures, wait for approval, and pay down payment. After the loan is approved, it is necessary to pay the down payment to the 4S shop first, and then the 4S shop will issue a down payment receipt to lend money to pick up the car. Third, what should I pay attention to when buying a car with a loan? 65,438+0, with a loan of more than 654,380+million to buy a car, you have to buy a burglary rescue, and the premium is higher than no loan (more than 700, depending on the model). 2. Generally, every company will have the financial expenses of buying a car with a loan. I suggest that if it's interest-free, you can do it in a 4s shop and pay part of the fee, but not too much. If there is no interest-free loan, don't give the handling fee. You can go to the local bank yourself, and there is no handling fee. In addition, there is a part of rebate for the 4s shop loan, and you can also negotiate with the 4s shop accordingly. 3. Pay attention to your loan interest rate. If the 4s shop is a bank, you can go to the bank to ask about the interest rate yourself. The loan must be repaid on time, which is related to your credit problem. Remember to go to the local vehicle management office to decompress the vehicle after the loan is paid.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.