after the provident fund loan, at least 1 yuan must be reserved in the provident fund account. Once the provident fund loan is completed, you can withdraw the provident fund not exceeding the mortgage amount in the next 12 months at the provident fund center.

First, the balance to be left in the withdrawal of the provident fund

The balance of the provident fund to be left is different under different circumstances: renting a house: you can withdraw half of the deposit in the current month, and you should keep 5% of the deposit in the current month, and the annual withdrawal amount cannot exceed the withdrawal amount of 12 months; House purchase, decoration and renovation: the withdrawal amount shall not exceed the expenses required for house purchase, decoration and renovation, and shall not exceed the balance of the provident fund account. If I and my family have two or more houses, the remaining balance of the provident fund shall not be less than 4%; Mortgage repayment: if I and my family only have one house, the withdrawal amount cannot exceed the deposit amount of last month; if I and my family have two or more houses, I can withdraw 6% of the deposit amount of the current month every month, and I need to keep 4% of the deposit amount of the current month.

second, the housing provident fund account is your own part.

The balance found in the housing provident fund account is the same balance paid by companies and individuals, and the withdrawal of housing provident fund refers to the withdrawal of all housing provident funds, except the part paid by branches and individuals, which belongs to employees. According to Article 3 of the Regulations on the Management of Housing Provident Fund, the housing provident fund paid by individual employees and the housing provident fund paid for employees by the unit where employees work belong to individual employees. Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes. Sixth housing provident fund deposit and loan interest rates proposed by the People's Bank of China, after soliciting the opinions of the administrative department of construction in the State Council, submitted to the State Council for approval.

if employees and units have any objection to the balance stored in the housing provident fund account, they may apply to the entrusted bank for review; If there is any objection to the results of the review, you may apply for a re-review of the housing provident fund management center. The entrusted bank and housing provident fund management center shall give a written reply within 5 days from the date of receiving the application. Workers have the right to expose, report and accuse the misappropriation of housing provident fund.