1. If the provident fund loan is used in the process of purchasing a house, no matter whether it is a pure provident fund loan or a portfolio loan, the down payment of the provident fund cannot be withdrawn;

2. If it is a full purchase, you can only apply for withdrawal within two years after obtaining the relevant documents (deed tax invoice or real estate license or online contract) for half a year, and the immediate family members (parents, children and spouses) of the buyer can;

3. Withdraw the down payment within one year from the date of proof (deed tax invoice or real estate license or online contract), and both the purchaser and his spouse can withdraw it, but the total amount cannot exceed the down payment, regardless of whether the first suite or the second suite is withdrawn.

1. Employees who purchase houses can query and print personal housing provident fund account information online or offline, and sign a commercial housing subscription agreement with the development enterprise;

2. The employees who purchase houses bring the commercial housing subscription agreement, the original identity certificate (electronic certificate), the original marital status materials (electronic certificate) and the power of attorney to the bank outlets where the housing provident fund is deposited to apply for withdrawal of the housing provident fund;

3, housing provident fund deposit bank to review the materials submitted by the purchase workers, to meet the extraction conditions, for housing provident fund extraction audit registration, and print the receipt of the provident fund extraction acceptance;

4. The employees who purchase houses shall sign a formal commercial housing sales contract with the development enterprise with the receipt of provident fund withdrawal, and the development enterprise shall handle the real estate transfer registration formalities with the employees who purchase houses in time;

5. The development enterprise shall, with the receipt, letter of commitment, pre-sale commercial housing sales contract or registered commercial housing sales contract, go through the accounting procedures for housing provident fund extraction at the bank outlets where housing workers' housing provident fund is deposited. For the pre-sale of commercial housing, the extracted funds will be transferred to the special account for the supervision of pre-sale funds of development enterprises, and for the commercial housing now sold, the extracted funds will be transferred to the collection account of development enterprises;

6. The development enterprise shall handle the filing procedures of the pre-sale commercial housing sales contract in time after the transfer of the housing provident fund. After completing the filing procedures, the Municipal Real Estate Bureau will allocate funds according to the requirements of fund supervision.

To sum up, if you use provident fund loans in the process of buying a house, whether it is pure provident fund loans or portfolio loans, you can't withdraw the provident fund down payment. For those who purchase in full, they can only apply for withdrawal within two years after obtaining the relevant documents (deed tax invoice or real estate license or online contract) for half a year, and the immediate family members (parents, children and spouses) of the buyer can do so.

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.