The balance of the provident fund can be fully withdrawn.

Under normal circumstances, the provident fund can only be fully withdrawn if one of the following conditions is met:

1. The employee has reached the national legal retirement age and gone through the retirement formalities;

2. If an employee dies unfortunately during his/her service, his/her successor or legator can receive the provident fund in full;

3. The laborer has completely lost the ability to work and signed a contract with the work unit to terminate the labor relationship;

4. Employees who have settled abroad can withdraw the provident fund in full at one time;

5. Employees who need to repay their housing loans when buying owner-occupied housing, or building, renovating or overhauling owner-occupied housing can withdraw their provident fund in full at one time.

What materials should be submitted for provident fund loans?

1. If applying for commercial housing (including affordable housing) loan, provide the purchase contract and down payment receipt (invoice); If the purchased house is an existing house, the Seller's Property Ownership Certificate shall also be provided;

2. Apply for second-hand housing loan, and provide housing transfer contract, down payment receipt (invoice) or cash payment slip, transferor's housing ownership certificate, state-owned land use certificate and deed, agency contract and fund supervision payment agreement;

3. Apply for public housing loans, and provide public housing purchase and sale agreement, price approval form, house sales supervision certificate and seller's house ownership certificate;

4. To apply for a loan for resettlement housing, provide a house demolition property right exchange agreement, a demolition agreement or a demolition supplementary agreement, a purchase invoice for resettlement housing, and a house ownership certificate of the demolition resettlement unit;

5. Apply for housing loans for construction, renovation and overhaul, and provide housing construction drawing construction (renovation and overhaul) permits, project cost budget, real estate appraisal report, and housing ownership certificates, state-owned land use certificates and deed certificates owned and to be built by the applicant.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.

Workers in any of the following circumstances, you can extract the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.