As a guarantor, you cannot withdraw the housing provident fund. Provident funds cannot be directly withdrawn. The provident fund is used for housing provident fund loans, which means that only loans can be made, and it can be directly used for provident fund loans or mortgage loans.

Apply for a loan at the loan guarantee bank: The borrower applies for a housing provident fund loan guarantee at the real estate credit department of CCB in all districts and counties with a copy of the house purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card and seal (if the husband and wife use the housing provident fund loan guarantee, they must also bring a marriage certificate or other proof of marital relationship).

Extended data:

Features:

(1) universality, urban workers must pay the housing provident fund in accordance with the provisions of the Regulations, regardless of the nature of their work units, family income level and whether they have housing;

(2) Mandatory (policy). If the unit fails to register the deposit of housing provident fund or fails to set up a housing provident fund account for employees, the housing provident fund management center has the right to order it to handle it within a time limit. If no correction is made within the time limit, it may be punished according to the relevant provisions of the Regulations, and may apply to the people's court for compulsory execution;

(3) Welfare, in addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans;

(4) Retractability: If the employee retires, resigns, or completely loses the ability to work and terminates the labor relationship with the unit, or the household registration moves out and settles abroad, the paid housing provident fund will be returned to the individual employee.

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