1. If it is used to repay the mortgage principal and interest, it can be withdrawn once a year, and the amount of each withdrawal cannot exceed the current principal and interest repayment amount; If the balance of the personal provident fund account is insufficient, the spouse, parents and children can withdraw their respective housing provident funds within the limit, and the total amount of withdrawal shall not exceed the limit;
2, for the purchase, construction, renovation, overhaul of housing needs to be extracted according to the actual amount of expenditure;
3. For renting a house, the monthly withdrawal amount of each household shall not exceed the actual rental expenditure of the month, and the maximum monthly withdrawal limit is 2,000 yuan.
Conditions for withdrawal of provident fund:
1, used to buy a house. If you want to buy a house with a loan, you can apply for a provident fund loan. The interest rate of provident fund loans is low, which can save a lot of loan interest for loan users. If you don't apply for a loan, you can withdraw the provident fund at one time to pay the down payment of the house; Users who have applied for commercial loans to purchase houses can withdraw the provident fund to repay the loan principal and interest on a monthly basis;
2, due to the construction, renovation or overhaul of housing, provident fund payers have to build their own housing, or renovation, overhaul of their own housing needs, you can apply for a one-time withdrawal of housing provident fund, due to pay housing construction, renovation, overhaul housing costs;
3. for renting a house. Some urban provident funds can also be used for renting houses. If the monthly rental expenditure exceeds a certain proportion of the family income of the provident fund payer, then the provident fund can be withdrawn monthly to pay the housing rent;
4, used to treat major diseases. If the family members of the provident fund payer are unfortunately suffering from serious diseases, they can apply for withdrawing the provident fund to pay medical expenses and reduce the family burden;
5. If the payer of the provident fund retires, resigns or goes abroad to settle down, etc. , he can apply for a one-time withdrawal of provident fund. For retirees, one-time withdrawal of provident fund is a considerable pension.
To sum up, if you buy a house and use a mortgage loan to withdraw the housing provident fund, the total withdrawal amount should not exceed the actual housing expenditure; If it is a one-time purchase, employees and their spouses can withdraw the housing provident fund in full every quarter; Self-built, self-study, renovation of housing provident fund, the total withdrawal should not exceed the actual housing expenditure.
Legal basis:
Article 24 of the Regulations on the Management 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:
Purchase, construction, renovation and overhaul of owner-occupied housing;
2 retired;
(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;
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 will be included in the value-added income of the housing provident fund.