The specific analysis is as follows:
1, in the case of buying an owner-occupied house, if the owner-occupied house you buy has no mortgage loan, you can generally withdraw it once a year; If the owner-occupied house is purchased by mortgage and a provident fund loan is adopted, the provident fund will be automatically repaid every month.
2, commercial loans to buy self-occupied housing, you can apply for a monthly withdrawal of provident fund repayment. During the repayment of the loan in two ways, the balance in the housing provident fund account can be withdrawn at one time and once a year after the loan is settled.
3. If the loan is not repaid monthly, it can be withdrawn once every six months.
4, construction, renovation, overhaul ownership from the housing or investment ownership in the administrative area of this Municipality, the existing residential elevator, can only apply for extraction once.
Conditions for withdrawal of housing provident fund:
1. Meet the deposit conditions: individuals need to pay continuously or cumulatively under the deposit conditions stipulated by the local provident fund management center in order to enjoy the right to withdraw housing provident fund;
2. Meet the withdrawal conditions: individuals need to meet the corresponding withdrawal conditions according to the regulations of the local provident fund management center. For example, in some areas, individuals need to reach a certain deposit period or meet certain age requirements;
3. Provide relevant certification materials: individuals need to provide relevant certification materials to prove the reasons for withdrawing housing provident fund, such as buying real estate, medical assistance, renting loans, etc. ;
4. No violations: individuals can't have violations, such as failing to pay the housing provident fund according to regulations, being in arrears, etc.
To sum up, different regions or provident fund management centers may have different regulations and conditions for housing provident fund withdrawal. Before withdrawing the housing provident fund, individuals are advised to consult the local provident fund management center for relevant policies and procedures in order to successfully apply for and complete the withdrawal business.
Legal basis:
Article 3 of the Regulations on the Management of Housing Provident Fund
The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.