1. Lease withdrawal: the monthly withdrawal amount shall not exceed 50% of the deposit amount in the month of application, and the annual withdrawal amount shall not exceed 12 months.

2. Purchase and withdrawal:

(1) When purchasing a house with property rights, the withdrawal amount shall not exceed the total purchase price.

(2) If a house is purchased in a name other than my own, the withdrawal amount shall not exceed the sum of the total purchase price and the purchase cost.

(3) If you buy a house with ownership and use a housing loan, the monthly withdrawal amount of the family shall not exceed 50% of the amount payable in the month of purchase, and the actual electricity withdrawal amount shall not exceed 12 months each year.

(4) If you buy a house that is not in your own name and use a housing loan, the monthly withdrawal amount of the family shall not exceed 50% of the amount payable in the month of purchase, and the actual payment of electricity fee shall not exceed 12 months every year.

3, construction, renovation, overhaul of the existing ownership of the house, the amount of extraction should not exceed the cost of construction, renovation, overhaul of the house.

4. If the principal and interest of the house loan are repaid, the monthly withdrawal amount shall not exceed 50% of the deposit amount in the month of application, and the annual withdrawal amount shall not exceed 12 months.

5. Multi-room lease extraction:

(1) Fixed withdrawal of leased commercial housing: the monthly withdrawal amount shall not exceed the monthly rent.

(2) Withdrawal of the amount of leased commercial housing: the annual withdrawal amount shall not exceed the annual rent.

Conditions for withdrawal of provident fund:

1. Provident fund account balance requirements: the balance of the provident fund account must be greater than or equal to the minimum withdrawal amount specified by the local provident fund management center;

2. Reasons for withdrawal: The withdrawal of provident fund must conform to the withdrawal reasons stipulated by the local provident fund management center, such as house purchase withdrawal, serious illness medical treatment, children's education, etc.

3. Deposit time requirement: the provident fund account must meet the deposit time requirement stipulated by the local provident fund management center. Generally, individual provident fund accounts are required to be deposited for at least 6 months, and the specific time standard may be slightly different;

4. Relevant certification materials: relevant certification materials are required for the withdrawal of provident fund, such as purchase contract, real estate license and other materials for the withdrawal of house purchase, and medical certificate and other materials for the withdrawal of serious illness.

To sum up, different regions, different banks or different withdrawal reasons may have different requirements for provident fund withdrawal, so you need to read the local regulations and requirements carefully before applying to avoid omitting necessary materials and affecting your application.

Legal basis:

Article 24 of the Regulations on the Management of Housing Provident Fund

In any of the following circumstances, the employee 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.