Why does the provident fund have money to say that the balance is insufficient?

Although the provident fund is rich, the reason why the balance is insufficient may be that the user has withdrawn too much money before or the unit has not paid the provident fund in time. If this is the reason, then you can only extract it when you have money. Users can take out a little less and a part after the application is passed, so as to avoid excessive withdrawal and insufficient balance. Another possibility is that the company did not transfer the money into the account in time, which will also lead to insufficient withdrawal balance of the provident fund. use of housing provident fund 1. house purchase: if you don't choose the loan method to buy a house, users can withdraw the provident fund at one time; If you buy a house with a commercial loan, you can withdraw the provident fund for the down payment; Commercial loans to buy a house can also withdraw the provident fund to repay the principal and interest; 2. Building a house: When buying a house with a combined provident fund loan, you can also withdraw the provident fund to repay the principal and interest. When building, renovating or overhauling a house, employees and spouses can also apply for withdrawing the provident fund to build a house. After approval, you can withdraw the amount of the provident fund paid in the previous months, and the amount of the withdrawal of the provident fund cannot exceed the construction loan fee; 3. Renting a house: the provident fund can also be taken out when employees rent a house to pay the rent, but the application cannot be made until the house lease contract is over half a year; 4. Buying a house for children: After the children buy a new house with a mortgage, they can use their parents' provident fund to repay the mortgage; 5. Withdraw all the balance from account cancellation as pension: If the user chooses to cancel the account, he can withdraw all the provident fund after going through the relevant formalities; 6. Treatment of diseases: After employees and their families get sick, they can withdraw the provident fund for expenses such as medical treatment, and the amount withdrawn cannot be greater than the amount spent by individuals during treatment; 7. Low-income or extremely poor households can withdraw: if the employee's family is extremely difficult, they can withdraw the provident fund.