According to relevant laws and regulations, provident fund loans can be used twice in a lifetime. That is, you can use it once the first time, once the second time, and you can't use it anymore. The provident fund loan was not used for the first two times, but it can't be used for the third time. Provident fund loans are only bound for the first two times. If it is a family-based provident fund loan, there are only two opportunities, that is, if the husband and wife form a family loan together, it is also regarded as one time.
In any of the following circumstances, you can apply for the withdrawal of housing provident fund:
1. When purchasing, constructing, renovating or overhauling self-owned housing;
2. When retiring or reaching retirement age;
3, completely lose the ability to work, and terminate the labor relationship with the unit;
4. When the account moves out of the city or leaves the country to settle down;
5, non city workers transferred from the city;
6 workers to repay the principal and interest of housing loans, you can withdraw the balance of housing provident fund to offset;
7. When an employee dies or is declared dead.
To sum up, employees who pay 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.
Legal basis:
"Regulations" of housing provident fund management sixteenth
The monthly deposit amount of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.
The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
First, briefly introduce the risks of private lending.
Private lending refers to the behavior of borrowing between parties through debts