The Notice on Further Strengthening the Management of Housing Provident Fund Extraction optimizes the policy of loan repayment extraction. Repay the principal and interest of the owner-occupied housing loan, and the employees who settle the loan can go through the one-time withdrawal procedures within the next year after settlement, and they will not be reissued within the time limit. The total amount withdrawn by both husband and wife and the property owner of the house shall not exceed the actual repayment of loan principal and interest (excluding penalty interest).

If the same person changes the marital relationship for many times to buy a house or many people frequently buy and sell the same house to apply for housing provident fund withdrawal, if the non-spouse or non-lineal relatives apply for housing provident fund withdrawal, the authenticity of housing consumption behavior and certification materials will be strictly examined.

For employees who illegally withdraw housing provident fund, the management center will record their dishonesty and transfer it with their personal accounts. For those who have withdrawn funds, they shall be ordered to return them in full within a time limit, and their housing provident fund withdrawal qualifications and loan qualifications shall be suspended. Those who fail to pay back within the time limit are classified as serious acts of dishonesty, and their untrustworthy information shall be submitted to the relevant administrative departments in accordance with the law and regulations, and joint punishment shall be implemented. Organs, institutions and state-owned enterprises and other paid workers illegally withdraw housing provident fund, notify their units.