The withdrawal and use of the provident fund must be related to housing, otherwise it cannot be withdrawn. Housing provident fund buying a car does not meet the conditions for withdrawing housing provident fund. The housing accumulation fund paid by employees and units belongs to individual employees, and employees can withdraw the housing accumulation fund when purchasing, building, renovating, overhauling their own houses and repaying the principal and interest of home purchase loans. Even if the housing provident fund cannot be directly used for car loans, consumers can try to withdraw the accumulated provident fund first. You can also use the extracted provident fund to pay the down payment for a loan to buy a car, or use it for emergency repayment during the repayment period, as long as consumers can skillfully use the conditions for extracting provident fund.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(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.

The housing provident fund loan amount shall be subject to quota management, and each provident fund loan amount shall meet the following quota standards at the same time:

1, which shall not be higher than the maximum loan limit and the maximum loan ratio determined according to the number of houses and the total house price;

2. It shall not be higher than the loan amount determined according to the deposit time and balance of the housing provident fund of the borrower and spouse;

3. It shall not be higher than the loan amount determined according to the repayment ability of the borrower and spouse;

4 shall not be higher than the maximum loan amount of the provident fund determined by the CMC in that year. The housing provident fund loan amount is the lowest value after the above four limits are integrated.