After providing a provident fund loan, you can withdraw the balance of the provident fund. Article 24 of the "Housing Provident Fund Management Regulations" stipulates that employees can withdraw the balance in their housing provident fund accounts if they have one of the following circumstances: purchasing, constructing, renovating, overhauling self-occupied housing, and repaying the principal and interest of home purchase loans.

1. Purpose of provident fund:

Purpose 1: House purchase

1. Provident fund can be withdrawn in one go if you buy a house without taking a loan;

2 . If you buy a house with a commercial loan, you can withdraw the provident fund for down payment;

3. If you buy a house with a commercial loan, you can withdraw the provident fund to repay the principal and interest;

Purpose 2: Construction, renovation, and overhaul of housing

If you build, renovate, and overhaul your own house on rural collective land and use a housing loan, employees and their spouses can apply to withdraw funds for building a house. For the provident fund amount before the month of approval (including the current month), the total withdrawal amount shall not exceed the cost of building a house.

Use three: renting a house

1. Use the provident fund to pay the rent of economic rental housing with rent or government rental subsidies;

2. Use the provident fund to pay the rent of a market rental house .

Purpose 4: Parents buy houses for their children

1. If you do not use the housing loan to buy your own house, you can withdraw your parents’ provident fund;

2. Use a commercial bank for personal use If you purchase a self-owned house with a housing loan, you can withdraw your parents' provident fund after paying the down payment;

3. Use a personal housing provident fund (combination) loan to buy your own house, and you can withdraw your parents' provident fund after paying the down payment.

Purpose five: cancel the account and withdraw the entire balance

1. Divorced or retired;

2. Agricultural registered employees who are over 60 years old for men and 55 years old for women

3. Settled abroad, Hong Kong, Macao, and Taiwan;

4. Completely lost the ability to work, lost most of the ability to work, or was severely disabled and terminated from the employer or Terminating the labor relationship;

5. Receiving unemployment insurance benefits;

6. Being sentenced to a prison sentence, having the household registration moved out of the city where the household registration is located, or the employees with household registration in a non-local city are terminated or terminated from the unit where they work Labor relations;

7. The housing provident fund account has been transferred to a centralized sealing account for 2 years or the labor relationship with the original unit has been terminated for 2 years;

8. Go to the administrative area of ??the city where you are located If you work outside the home and establish and deposit housing provident funds locally, you can cancel your account and withdraw the entire provident fund balance.

Purpose 6: Withdrawal and use within the scope of subsistence allowances or special poverty relief

Employees are included in the scope of urban residents’ minimum living security or special poverty assistance. The employees themselves and their spouses can apply to withdraw the housing provident fund and withdraw it. The amount shall not exceed the amount of housing provident fund before being included in the scope of minimum living security or special poverty relief.

Purpose 7: Treatment of major diseases

Family members (including employees, spouses and minor children) suffer from major diseases or major surgeries (including myocardial infarction; uremia; leukemia; liver cirrhosis) ; Aplastic anemia; rheumatic stenosis and diostasis; cerebrovascular malformation; cerebrovascular accident; necrotizing intestinal obstruction; liver atrophy; severe combined trauma; severe electrical injury; various cancer lesions; major organ transplantation; coronary artery bypass grafting surgery; heart valve surgery; aortic surgery; benign brain tumors; severe Alzheimer's disease; severe Parkinson's disease; severe burns; severe primary pulmonary hypertension; severe motor neuron disease) hospitalization, the employee himself and The spouse can apply to withdraw the housing provident fund. The application date should be within one year from the date of discharge. The total withdrawal amount shall not exceed the personal burden of hospitalization expenses.