The withdrawal of provident fund has an impact on the amount of housing loans in the future. However, before applying for a loan, it is still necessary to ensure continuous payment within a certain period of time (6 months or 12 months). In addition, it is also necessary to ensure that both husband and wife have no outstanding provident fund personal loans and their personal credit status is good. In addition, the amount of provident fund loans for the second suite is generally lower than that for the first suite. And the provident fund does not support the third suite. Because the policies of each city are different, individuals should consult the local housing provident fund management center in detail before applying for housing provident fund loans.

Methods of drawing housing accumulation fund:

1. Online withdrawal of individual housing provident fund requires some procedures. If the company has gone through the online self-service withdrawal procedures, it can directly inquire online, and then make specific provident fund withdrawal according to personal circumstances.

2. No unit or unit has not handled it, you can go to the urban provident fund management department where the individual lives, sign a self-service business agreement for housing provident fund withdrawal, and carry personal information, identity documents and copies.

Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.

Workers in any of the following circumstances, you can extract the balance of storage in the employee 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.

Article 25

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

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.