1. When buying a house, the user applied for a provident fund loan, but did not withdraw the provident fund. Generally, one year after handling the provident fund loan, users can apply to the provident fund management center for monthly deposit with the purchase contract, purchase invoice or receipt, and the balance of the provident fund cannot be fully withdrawn;
2. After handling the provident fund loan, if the user wants to use the provident fund to settle all the arrears in advance, he can withdraw the provident fund once before repayment. The withdrawal amount cannot exceed the repayment amount.
Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.
In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:
(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.
What is the process of withdrawing housing provident fund?
1, and the employee's unit issues the extraction certificate;
2. The applicant carries personal ID card, extraction certificate and other supporting materials to the housing provident fund management center for extraction business;
3. The Housing Provident Fund Management Center will make a decision on whether to approve the withdrawal within three days.