The house belongs to the family property. If you don't have a mortgage in your personal name, it doesn't mean that your wife has a mortgage in her name. In addition, there is no necessary relationship between the withdrawal of provident fund and mortgage. Even if there is a commercial loan, you can withdraw the provident fund, as long as you don't use the provident fund loan. There are some preconditions for withdrawing housing provident fund. For example, if you want to decorate a house, buy a house, rebuild a house or even rent a house, you can withdraw the housing provident fund. So how can you withdraw the provident fund without a mortgage?

How to withdraw the provident fund without a mortgage?

First, after buying a new house, do not use provident fund loans. You can withdraw the housing provident fund before handling the real estate license. Of course, you can also apply for a real estate license and withdraw a provident fund loan, which can be used for decoration.

Second, if you use provident fund loans, you can't withdraw provident fund. You can only look at the provident fund account after repayment, and how much money is left, according to the policy.

Provident fund withdrawal process is as follows:

1. Go to the local provident fund management center with my valid ID card and relevant information required for provident fund withdrawal, fill in the application form for provident fund withdrawal as required, and submit the information required by the provident fund management center;

2. After receiving the used extraction information, the provident fund management center will review the information provided by users;

3. After the examination and approval, the provident fund management center will notify the drawee to sign the provident fund withdrawal agreement and go through the formalities for the withdrawal of the provident fund. After that, the provident fund management center will transfer the withdrawn funds to the bank card account designated by the drawer.

How to withdraw the provident fund without a mortgage? As long as it meets the relevant provisions of provident fund withdrawal, it can be withdrawn. Be sure to know the relevant process of withdrawing provident fund in advance, so as not to waste unnecessary trouble.