The extraction process of housing provident fund is as follows:

1, issue an extraction certificate to the unit where you work;

2. Apply to the housing provident fund management center;

3. Submit the extraction certificate and other required materials;

4. Those who meet the withdrawal conditions can withdraw from the designated bank.

The first paragraph of Article 24 of the Regulations on the Management of Housing Provident Fund stipulates that employees may withdraw the storage balance in their housing provident fund accounts under any of the following circumstances:

(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.

The first paragraph of article 25 stipulates that if an employee withdraws the balance stored in the housing provident fund account, it shall be verified by his unit and a certificate of withdrawal shall be issued.

Legal objectivity:

1. Buy a house 1. Employees who purchase commercial housing (excluding commercial and residential buildings and business buildings) and do not need to apply for provident fund loans can choose: ① Withdraw the provident fund before handling the real estate license, provide the commercial housing sales contract and valid payment voucher approved by the national construction (real estate) administrative department, and withdraw the balance of the housing provident fund before the month (including the month) when the purchase contract is signed; ② Withdraw the provident fund after handling the real estate license, provide the real estate license, and withdraw the balance of the housing provident fund before the month (inclusive) when the real estate license is issued. 2, the purchase of public housing, provide the "public housing sale evaluation form" and the payment certificate or proof of funds issued by the bank; Purchase of second-hand housing, provide housing sales contracts and deed tax payment vouchers. You can extract the balance of housing provident fund before (including) the month of valid approval documents. Employees can also withdraw provident fund when they have a real estate license. 3. Withdraw the housing accumulation fund for purchasing houses in different places, raising funds for building houses, house demolition and resettlement, etc. , with the newly obtained "house ownership certificate". 4. When employees purchase owner-occupied housing and need to apply for housing provident fund loans, if the amount of provident fund in their own and spouse's housing provident fund accounts is large, they can also apply for withdrawing part of the funds in their own and spouse's housing provident fund accounts to pay for the house purchase. However, after withdrawal, the balance in the provident fund account of both husband and wife of the loan applicant must be kept for more than 6 months. Two, new construction, renovation, overhaul housing 1, self-built housing, provide the "construction project planning permit"; 2, the decoration of owner-occupied housing, provide the "construction planning permit" and "housing ownership certificate". 3. If the owner-occupied housing is overhauled, it is necessary to provide the overhaul appraisal certificate of the housing safety appraisal department or the "Construction Project Planning Permit" and "Housing Ownership Certificate" of the planning department. Three, retirement, resignation from (back) card or approved by the labor and personnel department, for retirement procedures. Four, completely lost the ability to work and terminate the labor relationship with the unit to provide the "disabled workers' labor ability appraisal form" issued by the labor appraisal department at or above the county level and the proof of termination of labor relations. Five, provide proof of exit and settlement procedures, passports and visas issued by the public security department. Six, heirs and legatees to extract the deceased employee housing provident fund need to provide the relevant certification materials of inheritance and bequest rights, as well as the death certificate of the employee and the identity card of the extractor. 7. Termination of labor relations with the unit 1, and termination of labor relations between employees and the unit. If the male is over 50 years old and the female is over 40 years old, the balance in my housing provident fund account can be withdrawn. Provide proof of termination of labor relations between employees and units (employment registration certificate). 2 employees who hold the minimum living guarantee certificate (poverty certificate) and terminate the labor relationship with their units can withdraw the storage balance in their housing provident fund accounts. Provide the certificate of termination of labor relations between employees and units (employment registration certificate) and the certificate of minimum living allowance (poverty) issued by functional departments. 3, the husband and wife and the unit to terminate the labor relationship, resulting in difficulties in family life, you can extract the balance of storage in the housing provident fund accounts of both parties. Provide proof that both husband and wife have dissolved the labor relationship (employment registration certificate) and marriage relationship with the unit. 4, after the termination of labor relations between employees and units, because their immediate family members (parents, children) suffer from serious diseases or other emergencies in medical insurance coverage, resulting in serious difficulties in family life, you can withdraw the storage balance in the employee housing provident fund account. Provide proof of termination of labor relations between employees and units (employment registration certificate), household registration book, documents issued by medical institutions or other functional departments. Eight, the employee's account to move out of the city to provide proof of account migration issued by the public security organ where the account is moved out. Nine, the employee was sentenced to terminate the labor relationship with the unit, provide the judgment issued by the judicial department and the employee's power of attorney. Ten, non registered employees leave the city and terminate the labor relationship with the unit to provide identity cards (or household registration books) and proof of termination of labor relations. Eleven, entrusted to repay the loan workers to use the housing provident fund to repay the provident fund housing loans, the need to sign a repayment agreement with the loan bank entrusted by the center. Entrusted repayment adopts centralized deduction. Twelve, the return of commercial housing loans to apply for the withdrawal of housing provident fund to return commercial housing loans, when the balance of employee housing provident fund and loan balance is roughly equal, one-time processing, take the form of transfer, provide loan contract and immediate repayment balance list.