If the provident fund is not withdrawn, the balance of the provident fund cannot be directly used to repay the credit card (debit card). The provident fund has been withdrawn. At this time, the user can transfer the cash to the credit card (debit card) for repayment. The interest rate of provident fund mortgage application is lower than that of commercial loans. If the user has a plan to buy a house with a loan, don't withdraw the provident fund at will. As for the provident fund loan to buy a house, taking out the balance of the provident fund will not have any impact.

The balance of the provident fund account will directly affect the amount of provident fund loans. When the amount of the provident fund loan is insufficient, you can apply for a portfolio loan.