1. How to buy a house with provident fund 1. The method of buying a house with provident fund is as follows: (1) To apply for a loan, the lender must go to the provident fund center with valid documents to submit a written loan application; (2) Relevant information includes provident fund deposit certificate, original ID card, and marriage certificate

, Proof of income; (3) House purchase contract or agreement, down payment certificate, guarantee, pledge contract, valuation certificate and other materials; (4) Contract signing.

2. 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 down; (5) Repaying the principal and interest of a house purchase loan; (6) The rent exceeds the family wage income regulations

proportional.

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with the provisions of items (2), (3) and (4) of the preceding paragraph, when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.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

2. How to withdraw the provident fund 1. Meet the specified conditions for withdrawing the provident fund; 2. Go to the unit where you work and apply for a withdrawal certificate; 3. Bring the withdrawal certificate issued by the unit and other materials to the Housing Provident Fund Management Center to apply for withdrawal.