Can I still get a loan after withdrawing the provident fund?

You can still get a loan after withdrawing some housing provident fund, but if all the housing provident fund is withdrawn and there is no balance in the account, it may be difficult to get a loan. After all, the balance of the provident fund is related to the loan amount. If there is no balance, it is naturally difficult for banks to approve loans. If the balance of the provident fund is only relatively small, there is still a chance to get a loan, but the loan amount may be relatively small.

In this regard, it is suggested that the customer suspend the loan application and continue to pay the housing provident fund first. After a period of time, the provident fund continuously paid in the account is enough, and then it is not too late to apply for a loan. If customers are in urgent need of loan funds, they can try to apply for commercial loans without provident fund, but the interest rate of commercial loans may not be as favorable as provident fund loans.

We should also pay attention to the fact that certain conditions must be met before we can withdraw the provident fund. For example, if the withdrawal of provident fund is for the purchase of self-occupied housing, if you do not apply for a housing provident fund loan and purchase a commercial house in one lump sum, you can apply for a withdrawal of provident fund, but the total amount of withdrawal cannot exceed the actual purchase expenditure.

Extended information:

The process of provident fund housing loan is as follows:

1. Employees bring relevant information and apply to the provident fund management center or the loan bank.

2. The provident fund management center will examine and approve the submitted materials. After the examination and approval, it can sign the corresponding contract and go through the mortgage registration procedures.

3. The bank transfers the funds to the designated account according to the contract.

4. The lender opens a repayment account and makes repayment on time. If the repayment is not timely, it is very likely that there will be some problems in credit reporting.

5. after the loan is settled, the lender obtains the loan settlement certificate and cancels the mortgage. Can I still get a loan after withdrawing the provident fund?

1. After withdrawing the provident fund, it will have a certain impact on the future housing loan, because the bank will check the amount of funds in the provident fund account when reviewing the loan. If the account funds are small, it will directly affect the loan amount, and it may even be impossible to use the provident fund loan, so it must be cautious to withdraw the provident fund.

2. If the provident fund has not been withdrawn, but someone else has withdrawn its provident fund and used it, although it is not the amount of the provident fund under the name, because the whole family has used the amount of the provident fund to withdraw the loan once, the down payment is calculated according to the mortgage of the second house when buying the house under the name, and the cost will be higher.

3. If the money in it is not used after it is taken out, the amount of the provident fund will have no direct impact on the future loan to buy a house. If it is used after it is taken out, it will have a direct impact. Although taking out the unused provident fund does not affect the number of loans and the process of loans, it will affect the amount of loans, so I suggest that you do not take out the provident fund before buying a house. Can you still use the provident fund loan to buy a house after the withdrawal of the provident fund?

1. Can you still use the provident fund loan after the withdrawal of the provident fund?

It is understood that whether or not to withdraw the housing provident fund has no effect on the provident fund loan. As long as you deposit it normally and meet the requirements of the local provident fund loan, you can apply for a local provident fund loan to buy a house.

although the withdrawal of provident fund does not affect the number of provident fund loans, it also has an impact on provident fund loans; The most direct thing is that it affects the amount of provident fund loans.

Taking commercial housing as an example, the maximum amount of provident fund loan for the first suite can be up to 6,, which does not exceed 7% of the total house price, and 8% if it is less than 9 square meters; The maximum amount of the second set of housing provident fund loans is 6, yuan, deducting the difference after the first use of housing provident fund loans. And not more than 4% of the total house price.

At the same time, the applicant has withdrawn the housing provident fund once before. In this case, he can also apply for a housing provident fund loan, but he cannot withdraw the provident fund to pay the down payment. That is to say, the applicant does not have enough money to pay the down payment, and needs to withdraw the balance in the provident fund account to pay. The applicant can only borrow money from relatives and friends to pay the down payment, get the relevant documents and apply for a loan, and then withdraw the balance from the provident fund account to repay the loan.

2. What are the conditions for withdrawing housing provident fund

1. Buying, building, renovating or overhauling owner-occupied housing; Among them, "purchase" means that employees buy houses and have the ownership of the purchased houses, which can be public housing, commercial housing, affordable housing and second-hand housing. "Construction" refers to the construction of housing by urban residents with the approval of real estate management agencies, urban planning management agencies and other departments; "Renovation" refers to the complete demolition, design and reconstruction of houses; "Overhaul" refers to the need to affect or dismantle some of the main components of the house, but it is not necessary to completely demolish the house.

2. Employees retire;

3. completely losing the ability to work and terminating the labor relationship with the unit;

4. Those who leave the country to settle down;

5. Repaying the principal and interest of the house purchase loan;

6. The rent exceeds the prescribed proportion of family wage income;

7. The employee dies or is declared dead.

third, the process of provident fund loans

1. Buyers need to bring the commercial housing sales contract or loan contact form to the housing provident fund management core to apply for a loan application form, and according to the prompts, the applicant fills in the housing provident fund loan application form as required.

2. Please ask someone to hold your ID card or the auxiliary borrower's ID card, and at the same time prepare the household registration book (the household registration book is not available, and a marriage certificate is required). Sometimes you need to go to the Civil Affairs Bureau to issue a marriage certificate or a single certificate. Take the commercial housing sales contract and the completed housing provident fund loan application form to the housing provident fund management core to review the loan amount and calculate the fees that should be paid.

3. The applicant needs to prepare the materials to be submitted: the application form for housing provident fund loan, 4 originals and photocopies of the commercial housing sales contract, the approval letter for real estate sales, the sixth copy of the maintenance fund receipt, 3 copies of the house payment receipt (receipt amount = total house payment-loan amount), 4 copies of the ID card of the purchaser, 1 copy of the spouse's ID card, 1 copy of the husband and wife's household registration book, and 2 copies of the marriage certificate or single certificate, and pay the relevant handling fees.

4. On the specified date, the applicant draws money at the agency bank window of the housing provident fund management core and receives the bank receipt. Can I still get a loan after the housing provident fund is withdrawn?

Yes, but the loan amount will be limited. Specifically, you can apply for a loan. As long as the account is still in deposit, you can apply for a loan. However, there is a time limit after the withdrawal of the provident fund. You need to consult the local provident fund office for details. Prepare the applicant's ID card, proof of marital status, etc., go to the provident fund center, wait for the window staff to make a preliminary examination, meet the conditions and wait for a review, and then settle the loan. To apply for a loan, you need to go through the relevant procedures, and those who do not meet the requirements will be notified in time. At present, you can make an appointment in advance, but you must first submit your personal information online and print the form before going to the window. Generally speaking, the loan is only related to the deposit amount, and has nothing to do with the withdrawal. The account amount of the provident fund directly affects the loan amount. If there is a balance after the account is withdrawn, the loan can be made. Housing accumulation fund refers to the social welfare for housing, which is universal and compulsory. It is mainly used for employees to purchase, build, rebuild, overhaul and decorate their own houses or pay rent. It is mainly paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

For more information about whether the housing provident fund can be loaned after withdrawal, go to: See more.