1. Employees who purchase self-occupied housing can apply for withdrawing their own housing provident fund;

2. If the withdrawn provident fund amount is insufficient to pay the house price, the parents, spouses, children or * * * of the purchaser may also apply for withdrawing their own housing provident fund to make up for it;

3 workers who have just joined the work are temporarily unable to use housing provident fund loans because they have paid housing provident fund for less than one year;

4. After meeting the requirements, you can apply to convert commercial loans into provident fund loans to reduce interest expenses;

5. If both husband and wife have provident fund, they can choose one party to apply for a loan, and then they can withdraw their own provident fund balance to return the loan;

6. You can also withdraw the balance of the provident fund account once a year to repay the loan.

Provisions on the use of provident fund:

1. Provident fund account status: it must be in normal status, and it cannot be in abnormal status such as sealing and account cancellation;

2. Continuous deposit time: Generally, continuous deposit is required for a certain period of time, such as 6 months or 12 months;

3. Deposit ratio and amount: Different regions have different provisions on the deposit ratio and available amount of provident fund;

4. Qualifications for purchasing houses: Buyers need to meet local qualifications for purchasing houses, such as the purchase restriction policy;

5. Real estate situation: Real estate must meet the real estate requirements of local provident fund loans, such as area, old and new degree, etc. ;

6. Loan conditions: it needs to meet the credit review and guarantee requirements of provident fund loans;

7. Spouse situation: When married people use provident fund to buy a house, they will also consider their spouse's provident fund account;

8. Repayment ability: Assess the repayment ability of the applicant according to his income to determine the loan amount.

To sum up, employees can withdraw their own housing provident fund when buying a house, and the insufficient part can be extracted by immediate family members. New employees can only borrow for one year, and if conditions permit, they can turn into provident fund loans to reduce interest. Both husband and wife can flexibly use their own provident fund to repay the loan, and once a year, they have an opportunity to withdraw it for repaying the housing loan.

Legal basis:

Regulations on the administration of housing provident fund

Article 24

Under any of the following circumstances, employees can withdraw the storage balance in the employee housing provident fund account: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may 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.

Article 25

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to 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.