The retirement withdrawal process of housing provident fund is that retirees bring their ID cards and retirement certificates, apply to the Housing Provident Fund Administration, and withdraw part or all of the amount in the provident fund account into personal bank accounts.

First, how to withdraw housing provident fund for retirement

The withdrawal process of housing provident fund retirement is as follows: the parties concerned bring their retirement certificates, copies of retirement certificates or retirement approval documents, household registration books and ID cards to the relevant departments to withdraw the provident fund, and withdraw the amount in the provident fund account to the personal bank account.

2. Can I still apply for a loan after withdrawing the housing provident fund?

You can also apply for a loan after withdrawing the housing provident fund. Whether to withdraw the housing provident fund has no effect on the provident fund loan. As long as the deposit is normal and meets the conditions of local provident fund loans, you can apply for local provident fund loans to purchase houses.

Generally speaking, the provident fund cannot be used to pay the down payment, but after buying a house, the purchaser can take his own "Purchase Contract" and purchase invoice to handle the withdrawal. If you really don't have enough money to pay the down payment, you need to withdraw the balance from the provident fund account to pay; You can borrow money from relatives and friends to pay the down payment, get the relevant documents to apply for a loan, and then withdraw the balance of the provident fund account to repay the loan.

2. Audit of provident fund center. The provident fund center will review the identity of the borrower, and review the loan amount, loan date and repayment date to ensure the authenticity of the submitted materials.

3. Housing evaluation. After the audit is completed, the provident fund center will issue an evaluation form to the borrower, and then go to the designated place to evaluate the purchased house.

4. After signing the loan contract, the Provident Fund Center will contact the borrower to sign the loan contract at the Provident Fund Center.

5. Finally, the provident fund center will entrust the relevant banks to lend money.