You can't apply for provident fund loans when you buy a house after retirement, because according to the regulations on provident fund management, retirees can only withdraw provident fund and can't mortgage it. First of all, provident fund loans need to pay a certain number of years of provident fund, which can not be paid after retirement, and only when you just retire will you have the opportunity. Secondly, the loan period after retirement is relatively short, only five years at most, and because there is no source of income after retirement, the loan can't be done. In the case that the provident fund loan cannot buy a house, only commercial loans can be made. Because the loan will require the borrower to provide proof of income and proof of work, and the retirees can't produce this proof when they are unemployed, the pension can only be regarded as the basic guarantee of life by the bank, but not as proof of income, which is not enough to support the monthly payment. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

Housing provident fund loan process

1. The borrower can submit a written loan application and related materials to the lending institution, which will submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval.

2, approved by the housing provident fund management department of the borrower, signed a loan contract and guarantee contract with the lending institutions, mortgage registration, insurance, notarization and other related procedures; According to the loan contract, the loan bank will transfer the loan to the special account for house sales set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank.

3. The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract; After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation procedures at the original mortgage registration department.

Legal basis: the State Council Interim Measures on Retirement and Resignation of Workers.

Article 1 Enterprises and institutions owned by the whole people, party and government organs and mass organizations that meet one of the following conditions shall retire.

(a) men over 60 years of age, women over 50 years of age, continuous service for ten years.

(2) Those who are engaged in underground, high altitude, high temperature, particularly heavy manual labor or other jobs harmful to health, and have reached the age of 55 for men and 45 for women, and have worked continuously for ten years.

This provision also applies to grassroots cadres whose working conditions are the same as those of workers.

(3) The male has reached the age of 50, the female has reached the age of 45, and has worked continuously for ten years, and has been certified by the hospital and confirmed by the labor appraisal committee, and has completely lost the ability to work.

(4) Disabled due to work, certified by the hospital and confirmed by the director of the labor appraisal committee, completely losing the ability to work.

Article 6. Generally, retired employees who move will be given a one-time resettlement subsidy of one hundred and fifty yuan by the original unit, and those who move from large and medium-sized cities to rural areas will be given to 300 yuan. Ex-workers who move can get a resettlement allowance equivalent to their two-month standard salary.

Eighth retired workers themselves can continue to enjoy free medical care.

Article 9 The retirement expenses and living expenses of employees shall be paid by the enterprise administration, and the party and government organs, mass organizations and institutions shall be paid by the civil affairs departments at the county level where retired and resigned employees live in a separate budget.