Generally speaking, the housing provident fund management policies in each region are different. However, you can't apply for a housing provident fund loan to buy a house under a sealed account. You can only apply for a housing provident fund loan to buy a house after paying the provident fund for at least 6 months. If the normal deposit of housing provident fund is resumed and the specified time is reached, you can still apply for a loan. Although the sealed housing provident fund account cannot apply for a loan, it can withdraw cash. Take the employee's resignation sealed account as an example, the provident fund account will be sealed within one month after the employee leaves. The extraction process is as follows: submit materials to the provident fund extraction window; Sign a letter of commitment; After receiving the receipt, go to the corresponding window to withdraw money. The materials submitted include: original and photocopy of resignation certificate, application form, original and photocopy of ID card, provident fund passbook and commitment letter. The new company will re-open a new housing provident fund account for the employees who leave the company and pay the housing provident fund, and the original work unit will handle the transfer procedures. The balance of the sealed housing provident fund account can be transferred to the new provident fund account. If the withdrawal conditions are not met, the balance of the housing provident fund account cannot be withdrawn, and the account is sealed and managed by the local housing provident fund management trust account. When employees meet the conditions of transfer or resignation, they should report to.
Therefore, the housing provident fund account in the sealed state does not meet the conditions for applying for loans and cannot apply for loans.
legal ground
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid 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. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
"Regulations on the Administration of Housing Provident Fund" Article 27 An applicant applying for a housing provident fund loan shall provide a guarantee.
"Regulations on the Management of Housing Provident Fund" Article 28 The housing provident fund management center may use the housing provident fund for the purchase of government bonds with the approval of the housing provident fund management committee on the premise of ensuring the withdrawal and loan of housing provident fund. The housing provident fund management center shall not provide guarantees to others.