How to withdraw the housing provident fund after taking out the loan? You can still withdraw the housing provident fund after taking out the loan.

According to the laws of our country, employees can withdraw the balance in their housing provident fund accounts if they have any of the following circumstances: (1) purchasing, constructing, renovating, or overhauling their own homes; (2) retiring or retiring; (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 the 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with the provisions of items (2), (3) and (4) of the preceding paragraph, when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.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.

What procedures are required for using a housing provident fund loan? The following procedures are required for using a housing provident fund loan: 1. Prepare the following materials: (1) Housing provident fund payment certificate of the applicant and his or her spouse; (2) Identity certificate of the applicant and his or her spouse (referring to the resident ID card)

, permanent residence booklet and other valid residence documents), documents proving marital status; (3) Proof of stable family economic income and other proofs of claims and debts that have an impact on repayment ability; (4) Valid certification documents such as contracts and agreements for purchasing a house

; (5) Collateral used for security, list of pledges, ownership certificate, proof of the consent of the person with disposal rights to mortgage and pledge, and collateral valuation certificate issued by the relevant department; (6) Provident Fund Center requires a third-party guarantor

Make a guarantee and pay the guarantee fee, and the borrower, lender and third-party guarantor will sign a three-party contract.

(7) Other information required by the Provident Fund Center.

2. Prepare complete loan materials, apply for bank acceptance and review in a timely manner, and submit to the Provident Fund Center in a timely manner.

3. The Provident Fund Center is responsible for approving loans and notifying the bank of the approval results in a timely manner.

4. The bank will notify the applicant to handle the loan procedures based on the approval results of the Provident Fund Center. The borrower and his wife will sign a loan contract and related contracts or agreements with the bank, and submit the loan contract and other materials to the Provident Fund Center for review. The provident fund center will transfer the money after approval.

For entrusted loan funds, the entrusted bank will issue loans in full and on time as stipulated in the loan contract.

5. If the guarantee is in the form of a housing mortgage, the borrower must go to the housing property rights management department in the area where the house is located to handle the real estate mortgage registration procedures. The mortgage contract or agreement must be signed by both husband and wife. If it is pledged with securities, the borrower must hand over the securities.

The management department or alliance center will take custody and keep it.

According to the law, Article 24 of the "Housing Provident Fund Management Regulations" requires the borrower and his wife to sign a loan contract and related contracts or agreements with the bank, and submit the loan contract and other materials to the Provident Fund Center for review. After approval by the Provident Fund Center, the entrusted loan fund will be allocated

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How to withdraw provident fund after taking out a loan in 2019 Introduction: Now that property prices are soaring, you can apply for a loan to buy a house. So how to withdraw provident fund after taking out a loan?

Now I will sort out the relevant information for your reference!

How to withdraw the provident fund when buying a house with a loan? 1. After withdrawing the provident fund, it is "associated" with your loan repayment card. For example, your monthly payment is 1,500 yuan. After withdrawing 15,000 yuan, it is associated with the loan repayment card. You do not need to go to the loan repayment card for 10 months after that.

Save money in the card and use provident fund money to repay the loan.

2. Withdraw all the balance in the provident fund account to offset the principal of the loan (once a year, a certain balance must be left in the account, and regulations vary from place to place). After the principal is offset, the principal of the loan will be reduced, and the total interest will also be reduced.

The monthly payment or years will be recalculated: if you choose the same number of years, 3. The monthly payment will be reduced after recalculation: if you choose the same monthly payment, the repayment period will be reduced, and you can choose at that time.

What is the policy for withdrawing provident funds when buying a house with a loan? 1. The policy for withdrawing provident funds for employees buying a first house with a commercial loan.

1) You can withdraw the housing provident fund from your own or your spouse’s account to pay for the house purchase through transfer.

After the down payment is paid, the provident fund can be withdrawn once based on the registered house purchase contract, but the time for this withdrawal is limited, which is within six months from the date of signing the house purchase agreement or contract or before the payment date agreed on the house purchase agreement or house purchase contract.

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2) If the amount withdrawn does not exceed the total price of the house, then 3 years after the first withdrawal of provident fund, you can choose to repay the commercial loan certificate or apply for withdrawal with two certificates. Choose one of the two methods, and once the withdrawal method is determined,

No adjustments are allowed.

2. The withdrawal policy based on the two certificates is that if you did not use a provident fund loan to buy a house before March 8, 2010, you can withdraw the provident fund once after applying for the "two certificates" (real estate certificate and land certificate) within three years.