As long as users pay the provident fund normally and meet the conditions of local provident fund loans, they can apply for local provident fund loans to buy houses. Although the withdrawal of provident fund does not affect the number of provident fund loans, it has a direct impact on the amount of provident fund loans. At the same time, the applicant has withdrawn the housing provident fund once before. In this case, he can also apply for a housing provident fund loan, but he cannot withdraw the provident fund to pay the down payment. In other words, the applicant does not have enough money to pay the down payment and needs to withdraw the balance in the provident fund account to pay. Applicants can only borrow money from relatives and friends to pay the down payment, get relevant documents to apply for a loan, and then withdraw the balance from the provident fund account to repay the loan.

Using the provident fund to buy a house needs to meet the following requirements:

1. Deposit the provident fund for one year: you need to deposit the provident fund for one year before you can apply for withdrawal.

2. There is a balance in the provident fund account: if you use the provident fund to buy real estate, you need to have enough balance in the provident fund account and you can withdraw it according to local regulations;

3. Real estate qualification: the purchased real estate needs to meet the conditions stipulated by the local provident fund policy. For example, some urban provident funds can only be used to buy self-occupied houses, and the area, price and purchase time of houses have corresponding regulations;

4. Good personal credit: If you need a loan to buy a real estate, you need to have a good personal credit record, and the loan amount and duration should also comply with local policies and regulations.

To sum up, the provident fund policies in different regions may be different, and the specific requirements need to be determined according to local policies and regulations. Before buying real estate, it is best to consult the local housing and urban-rural construction department or provident fund management center for relevant policies and requirements to ensure that the conditions are met and the purchase can proceed smoothly.

Legal basis:

"Regulations" of housing provident fund management sixteenth

The monthly deposit amount of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Article 18

The deposit ratio of employees and unit housing provident fund shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.