The specific method of using the remaining provident fund after the provident fund loan is as follows: 1. After the one-time payment for the house purchase, the balance of the housing provident fund account is withdrawn and used. Employees and their spouses can withdraw the housing provident fund in full once every quarter, up to four times a year.

After purchasing a house and using a mortgage, you can withdraw the balance from your housing provident fund account and use it. You can withdraw the housing provident fund once a month, and the total cumulative withdrawal cannot exceed the actual housing expenditure; 2. Directly apply for a provident fund loan to buy a house, the prerequisite is that the deposit has been paid in full and on time continuously.

The housing provident fund has been for 6 months or more, and the housing provident fund account is in normal payment status in the month of application, and no provident fund loan has been taken out under the name or the loan has been settled; 3. Apply for provident fund hedging loan repayment business, and use the housing provident fund to repay the principal and interest of the mortgage loan.

There are two methods: monthly offset and annual offset: monthly offset is to withdraw the corresponding amount from the housing provident fund account every month to offset the principal and interest repayment for the month; annual offset is to withdraw the balance of the housing provident fund account once every year to offset the principal repayment.

Provident fund withdrawal process: 1. The unit manager goes to a bank service outlet to purchase the "Housing Provident Fund Withdrawal Application Form" and cash (transfer) check; 2. When employees apply to withdraw housing provident funds, they should provide relevant certification materials to the unit in accordance with regulations.

After verification, fill in the "Housing Provident Fund Withdrawal Application Form" and cash (transfer) check, and stamp the reserved seal. When employees with personal housing provident fund accounts in centralized households in the management center withdraw housing provident funds, they should bring relevant supporting materials directly to the business hall of the management center.

Or apply at the counter of the district and county branch center management department; 3. Employees carry the "Housing Provident Fund Withdrawal Application Form" and relevant supporting materials to the bank service outlet (district and county branch center management department) to apply for withdrawing housing provident fund in accordance with regulations; 4. Staff review employees

After the information provided is qualified, the withdrawal review will be carried out for the employee, the "Acceptance Receipt" will be printed and given to the employee for confirmation, and a copy of the "Acceptance Receipt" and the original certification materials will be given to the employee; 5. The withdrawn housing provident fund will be transferred to the joint name of the employee's own housing provident fund.

Card savings account.

To sum up, after an individual applies for a provident fund loan, the remaining balance can also be withdrawn. In fact, it is not necessary to withdraw the balance in the provident fund. The balance in the provident fund account can still be used to repay the provident fund loan. Every month

You can always deduct it from the balance in your account first, and then deduct the money from your personal salary card if it is not enough. This can actually save a lot of personal expenses.

If you have applied for a provident fund loan, you can withdraw the balance once a month. The withdrawn provident fund can be used to repay the loan or for personal use.

Legal basis: Article 24 of the "Housing Provident Fund Management Regulations" If an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account: (1) Purchasing, constructing, renovating, or overhauling a self-occupied house; (2)

) Retirement or retirement; (3) Completely losing the ability to work and terminating the labor relationship with the employer; (4) Leaving the country to settle; (5) Repaying the principal and interest of a house purchase loan; (6) The rent exceeding the prescribed proportion of family wage income

.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.

If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.