According to "Regulations on the Management of Housing Provident Fund in People's Republic of China (PRC)" and "Criminal Law of People's Republic of China (PRC)", anyone who misappropriates, deducts, hangs accounts, privately divides or withdraws housing provident fund without the consent of the unit or in violation of regulations constitutes an illegal act and may be investigated for criminal responsibility or administrative punishment. The specific treatment and punishment provisions depend on the seriousness of the case and the specific circumstances of the illegal situation. Therefore, individuals must abide by relevant regulations and procedures, respect units and laws and regulations, and do not involve illegal acts and unnecessary risks and losses.

The specific provisions of the provident fund extraction standard are as follows:

1. Housing provident fund loan: the maximum loan amount is 70% of the balance of the provident fund account (the maximum loan amount does not exceed the local provident fund loan amount), and the loan period is 1-30 years;

2. Housing provident fund rental withdrawal: 50% of the balance of the provident fund account can be withdrawn at most every month, and the withdrawal amount shall not exceed the monthly rent;

3. Housing overhaul withdrawal: 50% of the balance of the provident fund account can be withdrawn at most, and the withdrawal amount shall not exceed the current overhaul cost;

4. Individual house purchase withdrawal: 30% of the balance of the provident fund account can be withdrawn at most, and the withdrawal amount shall not exceed 70% of the local purchase restriction standard and house price;

5. Withdrawal for repayment of personal housing loans: 90% of the balance of the provident fund account can be withdrawn at most.

To sum up, the extraction standards of provident fund in different regions may be slightly different. It is recommended to consult the local housing provident fund management center or relevant departments in order to understand the specific extraction standards. At the same time, when withdrawing the provident fund, it is also necessary to abide by relevant regulations and procedures, such as providing relevant certification materials and filling out application forms.

Legal basis:

Article 25 of the Regulations on the Management of Housing Provident Fund

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.