Credit card disputes generally do not affect provident fund loans. There are many situations affecting provident fund loans, which need specific analysis. After the withdrawal of provident fund, will it affect housing loans? Withdrawing the housing provident fund has no effect on buying a house in the future, but the loan amount and the balance that can be withdrawn are less. The screening procedure of provident fund system really needs to screen loan records and extract records at the same time. Withdrawing the provident fund to pay the rent will not affect the qualification examination of buying a house, that is, whether the applicant for housing provident fund loan is a first-time buyer is based on the record of purchasing a house, not the record of renting a house. Property buyers can rest assured that those who withdraw the provident fund through other legal channels are not included. 1. After the provident fund is withdrawn, if you want to use the provident fund as a mortgage, you need to pay 12 months continuously, that is, after one year, you can borrow money to buy a house. Mortgage interest rates are also unaffected. "Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's housing provident fund account to purchase, build, renovate or overhaul his own house, or retire and completely lose his ability to work. 2. After leaving the country to settle down, if the principal and interest of the house loan are repaid, if the rent exceeds the specified proportion of the family wage income, if the employee dies or is declared dead, the employee's heirs and legatees can withdraw the storage balance in the employee's housing provident fund account. If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund. Twenty-fifth workers from the housing provident fund account balance, verified by the unit and issued a certificate of extraction. 3. The employee shall apply to the housing provident fund management center for the withdrawal of housing provident fund with the withdrawal certificate, and the housing provident fund management center shall make a decision on whether to approve or not to withdraw within 3 days from the date of accepting the application, and notify the applicant to approve the withdrawal, and the entrusted bank shall go through the payment procedures. Twenty-sixth workers who have paid housing provident fund to buy, build, renovate or overhaul their own houses can apply for housing provident fund loans to the housing provident fund management center. 4. The housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on whether to grant or not to grant the loan, and notify the applicant to grant the loan, and the entrusted bank shall go through the loan formalities, and the housing provident fund loan risk shall be borne by the housing provident fund management center.