The provident fund cannot be withdrawn for decoration, but you can only apply for a provident fund decoration loan.

Conditions for Provident Fund Decoration Loan:

1. The borrower must have a permanent residence in the city or a valid residence status;

2. From the date of application forward , have paid the housing provident fund in full for more than 12 months continuously (if a couple both pays the provident fund, only one person is allowed to take out a loan);

3. Have a contract for the purchase, construction, and overhaul of a self-occupied house that complies with the law. (Agreement) and related materials;

4. Have a certain proportion of self-raised funds. To purchase commercial housing or affordable housing, the self-raised funds shall not be less than 20% of the total house price (for those purchasing second-hand houses or building or overhauling houses, the self-raised funds shall not be less than 30% of the total house price);

5 . Have stable economic income and the ability to repay the principal and interest of the loan (monthly income certificate issued by the employer);

6. Agree to use the purchased house or a self-owned house with full property rights or a third-party house Make a mortgage, or pledge it with securities or bank time deposit certificates recognized by the lending bank, or provide a guarantee by a legal person, organization or a third party recognized by the lending bank.

Provide Fund Decoration Loan Application Materials

1. Identity certificate of the borrower and spouse (ID card, household register, marriage certificate or divorce certificate, court judgment, ruling, unmarried certificate issued by the unit) or certificate of divorce and non-remarriage, etc.);

2. Documents proving stable economic income (certificate of unit salary income, etc.);

3. Proof of payment of housing provident fund;

4. House purchase contract and agreement signed with the selling unit (self-built housing requires approval from the land and planning department);

5. Completed by myself and my spouse*** Borrow application approval form;

6. A receipt for the house payment (down payment) of no less than RMB 20 of the total house price is required (for the purchase of a private house, construction or overhaul of a self-occupied house, a receipt of no less than RMB 30 of the total house price is required) Proof of self-raised funds);

7. A list of pledge rights and ownership certification documents issued by the borrower (or a written commitment issued by the guarantor agreeing to provide guarantee).