You can apply for provident fund loans after six months of repayment: Generally speaking, if you don't use the housing provident fund again after six months of repayment by the housing provident fund management center, you can apply for provident fund loans again, which is subject to the regulations issued by the local housing provident fund management center. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

How long can the provident fund loan be repaid?

This needs to be paid off in the current month, depending on the situation. If the provident fund has not been used in the first six months of paying off, you will be eligible for provident fund loans in the next month. If the provident fund has been used at the time of settlement or 6 months before settlement, you must wait another 6 months after settlement before applying for a loan. Because of the different policies in different cities, you can directly contact the personal loan department of local outlets to confirm whether there is provident fund loan business and related business regulations in your local area. "Regulations on the Management of Housing Provident Fund" Article 3 The housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for employees belong to individual employees. Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision. Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.

Can I still get a loan after the provident fund is paid? How long will it take to refinance?

Can I still get a loan after the provident fund is paid? How long will it take to refinance? Come and have a look with me.

How long can I refinance after the provident fund is paid off?

Generally, it will take another six months to pay off the provident fund.

Generally speaking, if an individual does not use the housing provident fund again within six months after paying off the loan in the housing provident fund management center, he can apply for a provident fund loan again, which is subject to the provisions of the local housing provident fund management center.

Under normal circumstances, it takes 6 months to apply for a provident fund loan after the housing provident fund loan is settled. According to the relevant rules, if you want to use the provident fund loan to buy a second house, you can only handle it if the first housing provident fund loan has been settled. In most areas, the interval between the first set of housing provident fund loans and the second set of housing provident fund loans has been determined, which will take at least six months.

When applying for the provident fund loan for the second time, the bank will focus on checking the repayment of the first provident fund loan and whether the applicant meets the conditions of the provident fund loan again, so the first provident fund loan must be repaid on time.

How long can I refinance after the provident fund loan is paid off?

You need to apply for a second suite within six months after the repayment of the first suite provident fund is completed. After paying off the first set of housing provident fund loans, if the owner fails to apply for a provident fund loan to buy a second set of housing, the property owner may apply for withdrawal of housing provident fund within 6 months from the date of issuance of the property right certificate based on the property right certificate, purchase contract and purchase invoice of the second set of housing.

How long can the first provident fund loan be paid off?

After paying off the provident fund loan, you can borrow again after half a year, which is divided into the following three points: 1. After paying off the provident fund loan for the first house, you can apply for the provident fund loan for the second house. 2. After paying off the first set of housing provident fund loans, if you do not apply for the second set of housing provident fund loans, you can apply for the withdrawal of housing provident fund within six months from the date of issuance of the real estate license. 3. After paying off the provident fund loan of the first house.