To receive the provident fund, the following conditions are required:

Know when to buy, build, rebuild and overhaul the owner-occupied housing with ownership;

When retiring or reaching retirement age;

Completely lose the ability to work and terminate the labor relationship with the unit;

When the account moves out of the city or settles abroad;

Non-local employees are transferred from this city;

When employees repay the principal and interest of housing loans, they can withdraw the balance of housing provident fund storage to offset;

If an employee dies or is declared dead, the employee's heir or legatee may withdraw the storage balance in the employee's housing provident fund account, and the employee's housing provident fund account shall be cancelled at the same time.

Housing accumulation fund extraction process:

Application for individual withdrawal of housing provident fund (approval);

Original and photocopy of my ID card (original and photocopy of marriage certificate must be provided for husband and wife to extract);

For which type of provident fund is withdrawn, the required certification materials shall be provided according to the corresponding conditions.

Second, after the provident fund loan, what should I do if I leave my job halfway?

Whether leaving your job will have an impact on the approval of provident fund loans depends on which link you leave. If the application for provident fund has gone through three stages and the bank has completed the review, it will not affect the loan issuance. The process of handling provident fund loans includes three stages:

1, qualification stage. The loan applicant must first apply to the housing provident fund management center and submit relevant materials. The provident fund center will review the qualifications of the applicant, including the deposit of the provident fund, the purchase contract, and the down payment certificate. At the same time, it is necessary to review the materials submitted by the borrower, and enter the loan approval stage after the approval.

2. The loan approval stage. This stage includes preliminary examination, review and approval, that is, after reviewing the loan applicant's materials and application for approval, the amount and duration of the loan are determined, and finally signed by the competent leader. Enter the contract signing stage after approval.

3. Contract signing stage. At this stage, the provident fund center signs a loan contract and mortgage agreement with the borrower. After the contract is signed, the bank can issue loans after examination and mortgage registration.

3. What should I do if I resign after handling the housing provident fund loan?

1. If the provident fund loan application has been approved and all procedures have been completed, then resignation or the closure of the provident fund will not affect the provident fund loan, but the loan card should be recharged on time to avoid affecting the loan deduction.

2. It is suggested to be on the safe side. Resignation after the first loan repayment can ensure that the provident fund loan will not be affected. Now you can't make up the provident fund in your own name. If you change your company, another company can't make up the provident fund for you because of the labor contract.

In other words, understand: once the provident fund is released, it means that the applicant is qualified. Then, the repayment period (20 years, 30 years, etc. ) is not bound by any objective conditions. Whether the applicant continues to pay the provident fund or not, whether the applicant resigns or not, it has nothing to do with the provident fund management center. The signed loan contract is valid until it expires.

So you don't have to worry. As long as the repayment date of each month arrives, the banking system can check the normal transfer behavior (there is enough monthly payment in the account), so it won't cause you any trouble. The bank will contact you if the payment is not made for three consecutive periods. If it can't be done for a long time, the bank can exercise the mortgage right and list the property, but it will contact the applicant many times during this period.

Since you promise not to delay the normal repayment within 2-3 years, it will be no problem. In terms of the nature of the contract, you and the bank have not breached the contract, and the repayment relationship agreed in the contract has not changed or terminated.

Extended data:

Treatment process

1. To apply for housing provident fund loan, the borrower shall submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

The types of housing provident fund loans are: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on.

(Note: Not all provident fund centres provide the above-mentioned loans. Please consult the local housing provident fund management institution first. )