For the purchase, construction, renovation and overhaul of owner-occupied housing; Retirement and resignation can draw provident fund; If you completely lose the ability to work and terminate the labor relationship with the unit, you can withdraw the provident fund; The account has moved out of the city or county or settled down; Repay the principal and interest of the house purchase loan; Rent exceeds the prescribed proportion of family wage income.

How to use provident fund loans

The first step: first consult the local provident fund management center, what materials and certificates need to be prepared.

Step 2: Then, start preparing materials. If you meet the loan conditions, you need to prepare: sales contract, house payment receipt, identity documents of both husband and wife, household registration books of both parties, marriage certificate and other related materials. The specific information shall be subject to the provisions of the local provident fund management department.

Step 3: Submit the provident fund loan application form and materials to the provident fund management department, which will conduct a preliminary examination according to the materials and application form, and the audit contents include: loan qualification, limit period, etc. Those who pass the preliminary examination will be issued with a notice of mortgage review and evaluation.

Step 4: The applicant needs to take this notice to the designated appraisal institution to appraise the value of the purchased house. What needs to be noted here is that affordable housing does not need to be evaluated.

Step 5: Take the appraisal report issued by the appraisal institution and go to the provident fund center. If the evaluation price is consistent with the loan amount, a notice of investigation on entrusted loans for housing fund management guarantee shall be issued.

Step 6: Go through the guarantee procedures.

Step 7: Sign a loan contract.

Step 8: Withdraw money from the bank window of the provident fund management center within the specified date and receive the bank receipt.

Bian Xiao concluded: The above is the relevant content about the extraction conditions of Changchun housing provident fund. I hope it will help everyone! Although the provident fund can be withdrawn and used, there are many conditions to be met, not all of which can be withdrawn. We must make this clear.