Purchase, construction, renovation, overhaul of owner-occupied housing, you can withdraw the storage balance in the employee housing provident fund account, or apply for housing provident fund loans to the housing provident fund management center.

Some basic rules of using provident fund to buy second-hand houses;

1, the purchase conditions must be met: the first condition for using the provident fund to purchase second-hand houses is to meet the purchase conditions of the housing provident fund, such as the time and amount requirements for depositing the provident fund;

2. The house must comply with the regulations: the purchased second-hand house must comply with local policies, such as the house must be five years old;

3. Relevant certificates are required: the purchase of second-hand houses requires relevant certificates such as house sales contract, real estate license and property right certificate.

To sum up, different regions have different specific provisions for purchasing second-hand houses with provident fund. Please consult the local housing provident fund management center for details. At the same time, when using the provident fund to buy second-hand houses, you need to pay attention to the loan interest rate, the withdrawal amount of the provident fund and other relevant regulations to ensure that your purchase behavior is legal and compliant.

Legal basis:

Article 25 of the Regulations on the Management of Housing Provident Fund

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.

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to 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.