You can withdraw the provident fund when buying a commercial house: if you don't have a personal housing loan after buying a commercial house you own, you must go through the formalities of withdrawing the provident fund within one year from the date of signing the contract. Over the time limit, the provident fund management center will no longer accept it.

When handling the withdrawal approval procedures, the original and photocopy of the following materials should be provided: the registered commercial housing sales contract; Down payment receipt; My identity card; If the contract is the name of the spouse, a marriage certificate must be provided; The examination and approval form for the extraction of housing provident fund signed by the employee himself issued by the unit.