After withdrawing the provident fund, you can also get a loan to buy a house. The applicant has withdrawn the housing provident fund once before. When applying for a housing provident fund loan, the loan limit will be affected, and the provident fund cannot be used to pay the down payment. However, after buying a house, the buyer can bring his own relevant contract and purchase materials. Go and make a withdrawal.

Regulations for provident fund loans to buy a house:

1. Must have permanent urban residence or valid residence status; have a housing purchase contract or relevant supporting documents;

2. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans;

3. Have full capacity for civil conduct and have a stable career and income, the ability to repay the principal and interest of the loan, and good credit;

4. There are no outstanding housing provident fund loans. It should also be noted that if one spouse applies for a housing provident fund loan, neither spouse can obtain a housing provident fund loan again before the principal and interest of the loan are paid off;

5. The legal retirement age has not been reached (national If there are other provisions that can be extended, such provisions shall apply, but the maximum age shall not exceed 65 years old).

6. The maximum term of provident fund loans shall not exceed 30 years. When applying for a portfolio loan, the loan terms of the provident fund loan and the commercial housing loan must be consistent.

Housing provident fund house purchase process

1. Submit a provident fund loan application. The borrower submits a loan application to the provident fund management center as required and provides the information required for the loan.

2. Preliminary review by the provident fund loan core. After the provident fund management core accepts the borrower's application, it will review the borrower's qualifications, loan amount, loan term, loan information and other information, and give opinions.

3. Credit investigation of provident fund loans. After the preliminary review by the provident fund management core, the bank undertaking the provident fund loan will conduct a pre-loan credit investigation of the borrower. After the investigation is completed, the lending bank will provide opinions and fill out the "Individual Housing Provident Fund Loan and Portfolio Loan Investigation and Approval Form" and submit it to the relevant personnel for approval.

4. Sign a provident fund loan contract. If the borrower passes the review, you will receive a notice from the loan undertaking bank. At this time, the borrower only needs to bring his ID card, account book, bank account number and other information within the specified time to the undertaking bank to sign the loan contract.

5. Go through the procedures for house insurance and mortgage loan registration. After signing the loan contract, the borrower must go through the procedures for insurance and mortgage registration as required, and the resulting costs will be borne by the borrower himself.

6. Waiting for the allocation of the provident fund loan. After confirming that the mortgage registration has been completed and the loan contract has come into effect, the loan undertaking bank will transfer the loan to the borrower and the house seller *** mutually designated on the date agreed in the contract. account and send the loan receipt to the borrower.

To sum up, this is the editor’s answer to the question: Can I still get a loan to buy a house after withdrawing the provident fund for renting a house? I hope it can help you

Legal basis:

< p>Article 3 of the "Regulations of the People's Republic of China on the Administration of Housing Provident Funds"

The housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for the employee shall belong to the individual employee.

Article 4

The management of housing provident funds shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, storage in special bank accounts, and financial supervision.

Article 5

The housing provident fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may misappropriate it for other purposes.

Article 6

The interest rates for deposits and loans of housing provident funds shall be proposed by the People's Bank of China, and shall be submitted to the State Council for approval after soliciting the opinions of the construction administrative department of the State Council.

Article 7

The construction administrative department of the State Council shall, together with the financial department of the State Council and the People's Bank of China, formulate housing provident fund policies and supervise their implementation.

The construction administrative departments of the people's governments of provinces and autonomous regions, together with the financial departments at the same level and branches of the People's Bank of China, are responsible for the supervision of the implementation of housing provident fund management regulations and policies within their respective administrative regions.