1, used to buy a house. If you want to borrow money to buy a house, you can apply for a provident fund loan. The low interest rate of provident fund loans 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 for 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 depositors 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a certain proportion of the family income of the depositor of the provident fund, then the provident fund can be withdrawn monthly to pay the housing rent;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. The payer of the provident fund retires; Retire; Those who go abroad to settle down may apply for a one-time withdrawal of the provident fund. For retirees, one-time withdrawal of provident fund is a considerable pension.

Legal basis:

"Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(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;

(six) the 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 shall be included in the value-added income of the housing provident fund.