Commercial loans with housing can be withdrawn, but only one year's repayment can be withdrawn. For example, if you pay 1 ,000 yuan a month, the provident fund center will give you the maximum withdrawal amount of 1 a year, 200 yuan. It is basically impossible to withdraw them all. The provident fund center allows you to withdraw up to 80%, which will not exceed your one-year loan amount. It is handled at the Provident Fund Center of Deyang Municipal Affairs Center, which seems to be on the third floor. As for how to use it after taking it out, it's up to you. They will write a check to your designated account. As for the things to bring, the original and photocopy of the ID card, the original and photocopy of the loan contract. If you bring a husband and wife, you should also bring a marriage certificate and a copy. The most important thing is to fill in the provident fund withdrawal form, which can only be collected at the provident fund center and stamped back to the unit. So you have to choose to take the form from the provident fund center, and then ask the materials clearly, and then stamp it (don't fill in the date on the withdrawal form, let the staff of the provident fund center fill it in, otherwise you can implement the lottery machine there, but it seems that it will not work after 3 pm. There is an hour's meal time at noon, and working hours after nine in the morning. ....

For details, please refer to the Measures for the Administration of Sichuan Deyang Provident Fund Extraction.

Article 1 In order to safeguard the legitimate rights and interests of the owners of housing provident fund, strengthen the management of housing provident fund withdrawal, and standardize the withdrawal and use of housing provident fund, according to the Regulations on the Management of Housing Provident Fund in the State Council (hereinafter referred to as the Regulations), the Guiding Opinions of the Ministry of Construction on Several Specific Issues Concerning the Management of Housing Provident Fund, the Ministry of Finance, the People's Bank of China, the Measures for the Administration of Housing Provident Fund Withdrawal in Sichuan Province and the Deyang Provident Fund Loan Contract, combined with the actual situation of Deyang City.

Article 2 These Measures shall apply to the extraction and management of housing provident fund within the administrative area of Deyang City.

Article 3 Deyang City Housing Provident Fund Management Committee (hereinafter referred to as the Management Committee) shall, in accordance with relevant laws, regulations and policies, formulate and adjust specific management measures for housing provident fund withdrawal, and supervise the implementation.

Article 4 Deyang Housing Provident Fund Management Center (hereinafter referred to as the Management Center) publicizes and implements the housing provident fund withdrawal policy stipulated in the Regulations and other laws and regulations; Review, record and record the withdrawal of housing provident fund; Provide reconciliation, inquiry and policy consultation services for units and depositors, accept complaints and safeguard the legitimate rights and interests of depositors of housing provident fund; To undertake other housing provident fund withdrawal matters decided or authorized by the CMC.

Fifth Deyang City housing provident fund deposit unit (hereinafter referred to as the unit) to publicize and implement the "Regulations" and other laws and regulations and housing provident fund withdrawal policies; Handle and record the withdrawal of housing provident fund for employees of this unit; Handle or assist in the reconciliation, inquiry, consultation, complaints and other matters of the employee's housing provident fund withdrawal, and safeguard the legitimate rights and interests of the employee's housing provident fund withdrawal; Handle other housing provident fund withdrawal matters that need to be handled by the unit.

Article 6 Where a depositor applies for withdrawal of the housing provident fund, it shall pay the housing provident fund in full and on time for more than one year (from the date of opening the housing provident fund account to the date when the depositor applies for withdrawal), and the unit to which it belongs shall not default, postpone or stop paying the housing provident fund.

Seventh depositors can use the housing provident fund to buy self-occupied housing:

(1) Employees who purchase their own houses for the first time without loans, participate in fund-raising housing construction or have purchased houses (housing reform houses) but the housing area has not reached 90㎡, can apply for themselves with relevant supporting documents (house purchase contract, down payment receipt, original property right certificate of no house or less than 90㎡, withdrawal certificate, ID card, marriage certificate, housing authority's approval form for fund-raising housing construction) within one year from the effective date of the house purchase contract.

(II) Employees who use commercial loans for the first time to purchase their own houses or have purchased houses (housing reform houses) but the housing area has not reached 90㎡, can apply for withdrawing the housing provident fund in their own and spouse's provident fund accounts that does not exceed the down payment amount to pay the down payment for the house purchase with relevant supporting materials (purchase contract, certificate of no house or original property certificate below 90㎡, withdrawal certificate, ID card and marriage certificate);

If you use provident fund loans for the first time to buy self-occupied housing, you can't use provident fund to pay the down payment.

(III) If you purchase a second-hand house and withdraw the housing provident fund, you can apply for a one-time withdrawal of the housing provident fund from your spouse's housing provident fund account with relevant supporting materials (purchase agreement, transaction tax invoice, no housing certificate or original property right certificate below 90㎡, withdrawal certificate, ID card and marriage certificate) within 30 days after completing the transaction procedures.

(4) Non-spouse depositors who purchase self-occupied housing with the same property right can apply for withdrawal of housing provident fund according to their respective share of the purchase price with relevant supporting materials (purchase contract, certificate of no room below 90㎡ or original property right certificate, withdrawal certificate, ID card), and there is no clear share for average withdrawal.

Eighth depositors can withdraw the use of housing provident fund when repaying the principal and interest of housing loans:

(1) If the area of the self-occupied housing purchased with commercial loans for the first time or the original self-occupied housing (housing reform housing) does not reach 90㎡, you can use the housing provident fund to repay the housing loan with relevant supporting documents (loan contract, bank loan balance sheet, original property right certificate without housing or less than 90㎡, withdrawal certificate, ID card and marriage certificate). From the month when the loan is repaid for the first time, you can apply for the first housing loan in the previous year from your spouse's account every year.

(II) If the owner-occupied house is purchased by using the housing provident fund loan, he can apply to withdraw the housing provident fund from the previous year's balance of his or her spouse's account once a year from the month when the loan is paid off for the first time with relevant supporting materials (loan contract, bank loan balance sheet, withdrawal certificate, ID card and marriage certificate).

(three) to pay off the loan in advance, you can use the balance in the housing provident fund account of yourself and your spouse at one time, and the amount used shall not exceed the remaining loan amount.

Article 9 The depositor may use the housing provident fund when building, renovating or overhauling the owner-occupied housing:

(a) in urban state-owned land, the construction of owner-occupied housing depends on the approval documents of the planning, construction and land management departments at or above the county (city, district) and the state-owned land use certificate, and the renovation and overhaul of owner-occupied housing depends on the appraisal certificate of the housing safety appraisal department at or above the county (city, district), the approval documents of the planning and construction management department, and the house ownership certificate. , and can apply for extraction of no more than the cost of construction, renovation and overhaul.

(II) In rural collective land, the construction of owner-occupied housing shall be based on the approval documents of the planning, construction and land management departments at or above the county (city, district) and the collective land use certificate, and the renovation and overhaul of owner-occupied housing shall also be based on the certificate and property certificate of the rural housing safety management institution. , and can apply for withdrawal of the balance of my and my spouse's provident fund account that does not exceed the construction, decoration and overhaul expenses.

Tenth depositors can use the housing provident fund when renting self-occupied housing:

If the rent expenditure exceeds 30% of the family income, you can apply for a one-time withdrawal of the housing provident fund from the balance of your spouse's account every year with relevant supporting materials (proof of salary income and lease contract).

Eleventh employees retire, terminate labor relations with the unit for special reasons, go abroad to settle down, die, etc. , you can withdraw all the balance in my housing provident fund account and cancel my personal housing provident fund account:

(a) when employees retire, they shall apply for withdrawing all the balance in their accounts with the retirement certificate, withdrawal voucher and ID card issued by the labor department at or above the county (city, district); Individual industrial and commercial households, freelancers and demobilized military cadres who have paid the housing provident fund, men over 60 years of age and women over 55 years of age, apply for withdrawal of all the balance in their accounts with relevant certification materials (household registration certificate and identity certificate).

(2) Employees who have completely lost their ability to work and terminated their labor relations with their units shall apply for withdrawal of all the balance in their accounts with the certificates of hospitals and labor appraisal departments at or above the county (city, district) level and the certificates of termination of their labor relations with their units.

(3) When the depositor settles abroad, Hong Kong, Macao and Taiwan, he/she shall apply for withdrawing all the balance in the account with passport, visa, certificate of cancellation of household registration in China (territory) and other relevant materials.

(4) If an employee is sentenced to punishment and terminates his/her labor relationship with the unit during his/her employment, and there is no possibility of re-employment and it is inconsistent with the account managed by the entrusted management center, he/she shall apply for withdrawing all the balance in his/her account with the judgment of the judicial department, the certificate of termination of labor relationship with the unit and other relevant materials.

(5) If the depositor dies or is declared dead, and the heir or legatee disputes the right of inheritance or bequest on the basis of his death certificate and notarial certificate of the notary department, he shall also provide the judgment, ruling or conciliation statement of the people's court, and apply for withdrawing all the balance in his account or transferring it to the heir's (legatee's) housing provident fund account for further storage.

If the depositor dies or is declared dead without an heir or legatee, the balance of his account shall be included in the value-added income of the housing provident fund.