Retired employees can't apply for provident fund loans to buy houses, which does not meet the conditions of provident fund loans, but they can choose to withdraw the provident fund for use. \xd\ Requirements for applying for provident fund loans: \xd\1. The borrower has an urban hukou; \xd\2. I and my employer have paid the housing provident fund in full and on time in this city for more than one year (calculated from the back to the front); \xd\3. Have stable professional income, good credit and the ability to repay the principal and interest of the loan; \xd\4. There is a legal contract or agreement for purchasing self-occupied houses, and there is a required self-financing ratio; \xd\5. Assets specified in the Guarantee Law are mortgage or pledge of loans; \xd\6. Agree to handle home purchase guarantee or collateral property insurance; \xd\7. Agree to other conditions stipulated by the Housing Provident Fund Management Center. \xd\ Required information for withdrawing provident fund: \xd\1. Purchase of self-occupied housing: individual application, unit certificate, purchase contract and invoice (see the original and keep a copy); \xd\2. Resignation and retirement: individual application, unit certificate, resignation and retirement approval (original and photocopy); \xd\3. On-the-job death: identity certificate of the entrusted extractor, certificate of the extractor's unit and death certificate (original and photocopy); \xd\4. Self-built and self-occupied housing: individual application, unit certificate, building approval procedures (original and photocopy of the permit); \xd\5. Renovation and overhaul of owner-occupied housing: individual application, unit certificate, original and photocopy of relevant examination and approval procedures; \xd\6. Exit and settlement: individual application, unit certificate and exit and settlement certificate; \xd\7. Repaying the principal and interest of the house loan: individual application, unit certificate. \xd\ Process of withdrawing provident fund: \xd\1. The unit manager goes to the banking service outlets to collect and purchase the Application for Withdrawing Housing Provident Fund and cash (transfer) check; \xd\2. When employees apply for withdrawal of housing provident fund, they shall provide relevant certification materials to the unit in accordance with the regulations. After verification, the unit shall fill in the Application for Withdrawal of Housing Provident Fund and cash (transfer) check, and affix the reserved seal. When employees with individual housing provident fund accounts in centralized households in the management center withdraw housing provident fund, they shall bring relevant certification materials directly to the business hall of the management center or the counter of the management department of district and county sub-centers to apply; \xd\3. Employees shall bring the Application Form for Withdrawing Housing Provident Fund and relevant supporting materials to the banking service outlets (district and county sub-center management departments) to apply for withdrawing housing provident fund; \xd\4. After reviewing the materials provided by the employees, the staff will handle the extraction review for the employees, print the Acceptance Receipt and submit it to the employees for confirmation, and hand over one copy of the Acceptance Receipt and the original supporting materials to the employees; \xd\5. The extracted housing provident fund shall be transferred to the savings account of the employee's own housing provident fund joint card.