If there is a loan in the provident fund account, you can retire and withdraw the provident fund, but you need to operate according to the regulations of the provident fund management department. According to the relevant regulations, when withdrawing the provident fund after retirement, the loan in the provident fund account should be returned first, and the remaining amount can be withdrawn.

Withdraw retirement fund:

1, original and photocopy of divorce or retirement certificate or relevant certificate of labor department;

2. The original and photocopy of the employee ID card shall be used to extract the provident fund;

3. If there is no divorce or retirement certificate, if the male is over 60 years old and the female is over 55 years old, provide the original and photocopy of the employee ID card;

4, provident fund from the employee's own bank savings account.

Legal basis:

Article 11 of the Regulations of People's Republic of China (PRC) on Housing Provident Fund includes retirement, resignation, retirement from illness, termination of labor contract and sacrifice in the line of duty.

"Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund" Article 37 The depositors of housing provident fund (i.e. depositors and individuals) may apply for loans in accordance with the regulations during the deposit period, with the provident fund account as the source of repayment.

Forty-first housing provident fund depositors in the withdrawal of housing provident fund, should return the mortgage principal and interest and late fees, the remaining amount can be withdrawn.

To sum up, when there is a loan in the provident fund account, it is necessary to repay the loan before retirement to withdraw the provident fund, which is in compliance with relevant laws and regulations.