You can withdraw the provident fund without buying a house. However, you must meet the relevant requirements and conditions, and the payment period must be more than one year before you can apply. For those who retire, transfer their jobs, move out of the city or settle abroad, they need to issue relevant credentials before applying for withdrawal of provident fund.

What is the purpose of the provident fund?

The purposes of the Provident Fund are as follows:

1, buy a house;

2, the construction of simple cavity, renovation, overhaul houses;

3. renting a house;

4. Parents buy houses for their children;

5. Cancel the account and withdraw all the balance.

Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.

In any of the following circumstances, employees 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.