You cannot use provident fund loans after retirement. First of all, your job and income are not enough to afford the mortgage. Secondly, the age of the borrower will also be restricted. After retirement, you can basically only buy a house with the full amount. Therefore, if you retire and still have a provident fund balance, you can only withdraw the provident fund for use.

The guarantor’s housing provident fund account is frozen during the guarantee period and cannot be withdrawn. To withdraw the housing provident fund, you mainly need to have a house purchase contract, a decoration contract or proof of resignation. The provident fund cannot be withdrawn directly. The provident fund is used for housing provident fund loans, which means that it can only be used for loans. It can be used for direct provident fund loans or mortgage loans.

Loan application acceptance and preliminary review:

① The borrower must prepare a complete set of required information for the loan application and submit it to the loan business area of ??the Housing Provident Fund Service Hall. The loan front desk teller of the Provident Fund Center will accept and review the loan application. , after passing the review, guide the borrower to fill in the "Loan Application Form" and have the borrower sign for confirmation.

② The loan front desk teller of the provident fund center will conduct a preliminary review of the loan application form. If the review is qualified, the individual housing provident fund loan contract will be pre-signed with the borrower. The borrower opens a repayment savings account at the corresponding lending bank.

③The loan application information is transferred to the guarantee company, which will review it (including the authenticity review of the house purchase). If the review is qualified, the guarantee procedures will be completed and a "Loan Guarantee Commitment Letter" will be issued to the Provident Fund Center.

④The borrower goes to the notary office window to go through the pre-notarization procedures of the Personal Housing Provident Fund Loan Contract.

⑤The guarantee company will submit the borrower's loan information, pre-signed contract agreement and "Loan Guarantee Commitment Letter" to the provident fund center loan review teller. The loan review teller will review it. If the loan is approved, it will be reported to the loan final review teller. Review.

⑥ For loans approved by the final review, the loan information should be returned to the loan front desk teller. The loan front desk teller will complete the "Personal Housing Provident Fund Loan Contract" and sign and stamp the principal and lender's loan contract special seals. Complete approval.