1. It is illegal for employees to obtain housing provident fund through false purchase vouchers or through intermediaries, and should be punished according to law. Although the provident fund belongs to "the money in the employee's own account", the risk of obtaining the housing provident fund through false purchase procedures cannot be underestimated. For the depositor, it can be said that there is no way out, because in the process of illegally cashing out the provident fund, individuals often forge the real estate sales contract and the contract tax payment certificate, which violates the relevant provisions of the criminal law and can be sentenced to fixed-term imprisonment of more than three years and less than ten years.

2. If you only withdraw the provident fund and don't use the provident fund loan, then if you don't have a room to buy a house and use the provident fund loan, you can handle it according to the standard of the first home loan.

3. If the spouse has used provident fund loans before, although the withdrawal of provident fund loans does not occupy the amount of provident fund loans, but because the whole family has used provident fund loans before, and this is also the second home purchased, it belongs to the second home loan, and the down payment is at least 60%.

4. It can be seen that the criteria for determining provident fund loans have nothing to do with the withdrawal of provident fund loans, that is, if you want to buy a house according to the first set of provident fund loans, you must have no house in the name of (family) and no record of provident fund loans. However, although the withdrawal of provident fund does not affect the number of provident fund loans, it also has an impact on provident fund loans; The most direct thing is to affect the amount of provident fund loans.

5. It is legal to apply for provident fund through normal procedures, and it is not called cashing.

6, housing consumption these situations can be extracted:

1) Buy a house with property rights.

2) Pay the housing rent in the city.

3) Repay the principal and interest of housing loans with property rights in this city or other places.

(four) the construction, renovation and overhaul of self-owned housing within the city.

5) Other housing consumption

6) The household registration is not in this city, and the formalities for transferring the relationship between endowment insurance and basic medical insurance have been handled.

7) The household registration moves out of this city.

8) Go abroad or settle in Hong Kong, Macao and Taiwan.

9) Retirement

10) completely loses the ability to work and terminates the labor relationship with the unit.

1 1) Occupation where the male is over 50 years old or the female is over 45 years old and the housing provident fund account has been sealed for 2 years.

12) enjoy the minimum living guarantee.

13) employees or family members suffer from serious diseases.