Of course. If you haven't entrusted the bank to withhold the provident fund to repay the loan, you can take out the balance, and then entrust the provident fund to withhold it after receiving it, and repay the loan with the monthly provident fund; If you have handled the entrusted withholding by the bank, you can only get it after the loan is paid off. \ The withdrawal condition of provident fund loan is: (1) The rent exceeds the specified proportion of family wage income; Repaying the principal and interest of housing loans; Buy self-occupied housing; Overhaul and transformation of self-owned housing; Self-built and self-owned housing; , retirement or resignation; Exiting settlers; , completely lose the ability to work and terminate the labor relationship with the unit (both conditions are indispensable); , that is, death;

After I buy a house with a housing provident fund loan, can I withdraw the balance of the provident fund?

After buying a house with a housing provident fund loan, the balance of the provident fund can be taken out.

Only when you buy a house with a loan can you apply for a commercial loan to transfer to the provident fund. To apply for transferring commercial loans to provident fund, three conditions must be met first:

First, buyers have two certificates;

Second, there must be no overdue repayment records during the repayment period of commercial loans;

Third, buyers need to pay the provident fund for more than half a year. If the above three conditions are met, the buyer can apply to the commercial bank with ID card, household registration book, marriage certificate, real estate license and land certificate, and then find the designated guarantee company to pay the relevant fees after approval. With the payment slip, letter of guarantee and deposit certificate of provident fund, the purchaser signs the contract of transferring commercial loan to provident fund at the counter of commercial bank. If the loanable amount of the provident fund is lower than the outstanding commercial loans, it is necessary to apply for a combined loan of commercial loans and provident fund.

"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;

(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.

Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to 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.

Can I withdraw the provident fund after using the provident fund loan?

The balance after the provident fund loan can be withdrawn. Workers who repay the principal and interest of the house purchase loan can withdraw the balance of the provident fund, but they need to be verified by their units and issued with certificates. If an employee applies for housing provident fund with this certificate, the housing provident fund management center shall make a decision within three days.

legal ground

Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances, employees may withdraw the storage balance in the employee's housing provident fund account: (5) Repaying the principal and interest of the house purchase loan. Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

Can I withdraw the balance after the provident fund loan?

Those who have applied for provident fund loans and signed a monthly repayment agreement can apply for withdrawal of the down payment within 60 natural days after the loan is issued and within 12 months after the last withdrawal.

Those who do not meet the conditions for down payment withdrawal can only be deducted from the borrower's housing provident fund account on a monthly basis, and cannot be withdrawn in cash.

Do not meet the conditions for signing a monthly loan repayment agreement, you can withdraw the balance of the housing provident fund account once a year by repaying the principal and interest of the loan, and the amount withdrawn each time cannot exceed the repayment amount of the principal and interest of the loan in that year.

Housing provident fund extraction conditions:

1. In any of the following circumstances, and can provide legal and valid certificates according to the regulations, you can consult your unit and apply for withdrawing the storage balance in your housing provident fund account:

2, the purchase, construction, renovation and overhaul of owner-occupied housing with ownership;

3. Retired;

4. Completely losing the ability to work or severely disabled, which is one of the common situations, and dissolving or terminating the labor relationship with the unit;

5. Settle abroad or settle in Hong Kong, Macao and Taiwan;

6, to repay the principal and interest of the purchase of owner-occupied housing loans;

7. The monthly rent of the rented house exceeds15% of the monthly salary of the family;

8, migrant workers and units to terminate (terminate) labor relations;

9. The employee dies or is declared dead;

10, who is enjoying the minimum living guarantee or special hardship relief for urban residents;

1 1, who has not been re-employed for more than one year after terminating the labor relationship with the unit;

12. Employees or family members have accidents due to major diseases, or serious injuries, and family life is difficult;

13. Family life is seriously difficult due to natural disasters or other emergencies.

Can I take out the rest after the provident fund loan?

After the provident fund loan, the rest can be taken out. According to the laws of China, the provident fund can be withdrawn once every six months, but the balance of 500 yuan needs to be paid in advance. Workers apply to the unit for the withdrawal of housing provident fund with the withdrawal certificate. After verification, the unit will issue an application for withdrawal in duplicate. Employees of centralized sealed households apply for withdrawal to sub-centers or management departments.

Let's stop here for the introduction of the remaining provident fund after the loan.