Kunshan provident fund loan policy: if employees' families use provident fund loans for the first time, the maximum loan amount will remain unchanged; If an employee's family uses provident fund loans for the second time, the maximum amount of family loans is 500,000 yuan, and the maximum amount of single-person loans is 300,000 yuan; If the employee family uses the provident fund loan for the second time, the down payment ratio shall not be less than 50% of the total housing price; If an employee's family uses the provident fund loan for the second time, the loanable amount shall be calculated as 6 times of the borrower's personal account balance.

One, the employee has one of the following circumstances, you can extract the balance of storage in the employee housing provident fund account:

1. Purchase, build, renovate and overhaul owner-occupied housing;

2. Retired;

3. Completely lose the ability to work, and terminate the labor relationship with the unit;

4. Go abroad to settle down;

5. Repay the principal and interest of the house purchase loan;

6. The rent exceeds the prescribed proportion of family wage income.

Two, housing provident fund management center and workers have the right to urge the unit to perform the following obligations on time:

1. Housing provident fund deposit registration or change or cancellation of registration;

2. The establishment, transfer or sealing of the housing provident fund account;

3. Pay the housing provident fund in full.

Legal basis: Article 25 of the Regulations on the Management of Housing Provident Fund, if an employee withdraws the balance stored in the housing provident fund account, the unit where he works shall verify it and issue a certificate of withdrawal. 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.