1, retired or resigned personnel

2, no ability to work, and terminate the labor relationship with the employer.

3. People who have settled abroad

4. Used to repay the loan principal and interest (house purchase)

5. The rental expenses exceed the proportion of family income stipulated by the state.

6. People who terminate the contract with the employer and move into other cities or other cities shall terminate the contract with the employer and leave the city.

7. Some people have no ability to work, so family life is difficult.

Matters needing attention in drawing provident fund:

1. The provident fund cannot be used for down payment.

Generally speaking, the provident fund is used first and then withdrawn, that is to say, if you want to buy a house with a provident fund loan, you must pay a down payment first, and then take your ID card, account and other supporting materials to the local housing provident fund trust to withdraw the balance of the provident fund.

2. The total withdrawal amount cannot exceed the house payment.

The total withdrawal of housing provident fund cannot exceed the total purchase price. Even if there is 500,000 yuan in the provident fund account, as long as the amount of the house purchased is less than 500,000 yuan, it cannot be fully withdrawn.

3. You can use the provident fund to buy a house again.

If the property buyers have applied for the provident fund house before, and the previous house payment has been paid off, there will be corresponding records in the system of the provident fund center. As long as the payment is not paid off, it is impossible to apply for provident fund again. However, if the previous loan has been settled, you can apply for a provident fund loan to buy a house again, which is not restricted by the second suite policy.

To sum up, the provident fund can be used not only when buying a house loan, but also when the conditions are met.

Legal basis:

Regulations on the administration of housing provident fund

Article 24

Workers in any of the following circumstances, you can extract the balance of storage 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.