1. If you find a new employer, you should go through the account unsealing procedures at the handling bank where the housing provident fund is uniformly sealed, and transfer the housing provident fund account number to the new employer;

2, with the original unit to restore labor relations, with the change list of provident fund payment, to the local housing provident fund management center to understand the sealing procedures.

Housing provident fund has several purposes:

1, loan to buy a house.

To buy affordable housing or commercial housing, you can use provident fund loans, and the interest will be less than ordinary commercial loans. Commercial loans can draw provident fund for down payment or repayment of principal and interest. Generally, you can buy a house with a provident fund loan after paying for more than 6 months.

2. Rent a house.

The provident fund can pay the rent for renting a house.

3. Parents buy houses for their children or treat major diseases.

If you use a commercial loan to buy your own house, you can withdraw your parents' provident fund after paying the down payment, use a personal housing provident fund loan to buy your own house, and withdraw your parents' provident fund after paying the down payment. Or family members withdraw provident fund to pay hospitalization expenses.

4. Provident fund can be withdrawn at one time.

You can withdraw it in one lump sum before closing the account. For example, retirement, retirement, and going abroad to settle down.

The advantage of using provident fund loans is that the housing provident fund paid by employees and the provident fund paid by the unit belong to employees. Interest can be rolled. Enjoy tax exemption. Interest on home loan is reduced. For example, if the loan is RMB 6,543,800+0.2 million with a term of 30 years, all interest can be saved by using the equal repayment method. 5. You can repay the loan in advance.

To sum up, if the sealed provident fund is unsealed to find a new unit, first go to the handling bank where the housing provident fund is uniformly sealed to handle the account unsealing procedures and transfer the housing provident fund account number to the new unit; With the original unit to restore labor relations, with the change list of provident fund payment, to the local housing provident fund management center to understand the storage procedures.

Legal basis:

Article 15 of the Regulations on the Management of Housing Provident Fund

Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center. Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.