Legal analysis: the principal and interest of commercial loans (or loans from other provident fund centers) will be withdrawn for the first time after 12 months of normal repayment, and the principal and interest of pre-marital house purchase loans will be repaid after 12 months of marriage registration, and then you can apply for withdrawal once a year, with the interval between withdrawals exceeding 12 months; If the loan is settled in advance, it can be withdrawn once within 24 months after the loan is settled.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in the housing provident fund account:

Purchase, construction, renovation and overhaul of owner-occupied housing;

2 retired;

(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;

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 will be included in the value-added income of the housing provident fund.