Provident fund loans are not limited to buying houses. When building, renovating or overhauling self-occupied housing, you can also apply to the provident fund management center for withdrawal of provident fund with relevant supporting documents and materials. If the house is leased and the monthly rent exceeds the family wage income, which affects the normal expenditure, you can also apply for drawing provident fund to subsidize the rent.

The conditions for withdrawing the provident fund are as follows:

1, purchase, build, renovate and overhaul owner-occupied housing;

2. Retired;

3, completely lose the ability to work, and terminate the labor relationship with the unit;

4. Go abroad to settle down;

5. Repay the principal and interest of the house purchase loan;

6, the rent exceeds the prescribed proportion of family wage income.

Provident fund withdrawal process is as follows:

1, which meets the specified conditions for withdrawing the provident fund;

2. Apply to the unit for proof of extraction;

3. Bring the extraction certificate and other materials issued by the unit to the housing provident fund management center for extraction.

Legal basis: Article 24 of the Regulations on the Administration 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.