Although the provident fund account is sealed, the Agreement on Withholding and Paying the Provident Fund signed by the borrower with the provident fund manager and the entrusted bank is still valid. The bank will deduct the repayment funds on time and will not be affected by the sealed state of the provident fund account.

Conditions for self-built housing provident fund:

1. Self-built houses must meet the requirements of local planning, construction, environmental protection and other relevant laws and regulations, and obtain relevant construction permits;

2. The construction area of self-built houses cannot exceed local standards, and the housing accumulation fund cannot be used for loans or withdrawals;

3. The construction of self-built houses must comply with local regulations. For example, the land certificate of self-built houses must be in the name of the property owner;

4. The property owner must be an employee or individual with a provident fund account;

5. Property owners need to provide relevant supporting documents, such as self-built house construction permit, real estate license, self-built house, etc.

6. Before applying for housing provident fund loan or withdrawal, the property owner needs to apply for provident fund loan first, and the loan application must be approved.

To sum up, different regions or provident fund management centers may have different regulations and conditions for housing provident fund withdrawal.

Legal basis:

Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund

Article 15

Units that employ employees shall go to the housing provident fund management center for deposit registration within 30 days from the date of employment, and go through the formalities for the establishment or transfer of employee housing provident fund accounts.

Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, handle the change registration with the housing provident fund management center, and handle the transfer or sealing procedures of the employee housing provident fund account.

Article 16

The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.