1. Users need to provide information such as house purchase contract, repayment schedule, property certificate, etc., so they can apply through the online platform.

2. After buying a house with a commercial loan, you can bring the lender's ID card, application form for housing provident fund withdrawal, purchase contract and loan contract to the local housing provident fund management center to apply for it. After submitting the materials for review, you will transfer the provident fund funds to the bank.

3. The original and copy of the purchase contract, invoice or real estate license corresponding to the loan must be provided when the loan is repaid for the first time, but only the original is required when the loan is repaid for the second time.

4. It is worth noting that when handling the withdrawal business, employees need to go to the credit department of the mortgage bank to print the bill and affix the bank seal. If they have never withdrawn, they need to print the loan statement for many years.

The contribution ratio of employees and unit housing provident fund shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Commission and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.

The housing accumulation fund drawn by enterprises and individuals according to the specified proportion and actually paid to the designated financial institutions is not included in the current salary and salary income of individuals, and is exempt from personal income tax. The housing accumulation fund paid in excess of the proportion stipulated by the state or local government shall be incorporated into the individual's current salary and salary income, and personal income tax shall be levied.

individuals are exempt from personal income tax when they receive the housing provident fund originally deposited. Withdrawing the provident fund only affects the purchase of a house with provident fund loans, and commercial loans and full purchase of a house are not affected. Although it will not affect the loan, it may affect the loan amount. Withdrawing the provident fund only affects the purchase of a house with provident fund loans, and commercial loans and full purchase of a house are not affected. Although it will not affect the loan, it may affect the loan amount. The calculation of the loan amount of provident fund varies from place to place, which is basically determined comprehensively according to the deposit of employee housing provident fund, the loanable amount standard of housing provident fund loan, the status and price of purchased housing, individual repayment ability, credit status and other factors.

Legal basis

Regulations on the Management of Housing Provident Fund

Article 25 Where an employee withdraws the balance stored in the housing provident fund account, the unit to which he belongs shall verify it and issue a certificate of withdrawal.

employees should 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 not to withdraw, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment formalities.