Shaanxi issued the latest "Detailed Rules" to clarify the scope of withdrawal of housing provident fund as follows:

The "Detailed Rules" clarified the scope of withdrawal of housing provident fund: purchase, construction, renovation and overhaul of self-occupied housing those who repay the principal and interest of the house purchase loan; those who do not own a house and rent a house to live in Xi'an; those who renovate and install elevators in old residential areas in cities and towns; those whose family life is seriously difficult (including the following two situations:

1 , enjoying the urban minimum living security;

2. Those who have been unemployed for more than two years) are retired or retired; those who have left the country to settle down; those who have completely lost their ability to work and terminated the labor relationship with the unit; those who are not registered in Xi'an City The employee terminates the labor relationship with the unit and fails to continue to pay housing provident funds in other housing provident fund management centers.

3. If an employee dies or is declared dead, the employee’s heirs and legatees shall apply to withdraw the housing provident fund.

The "Details" clarify both partial withdrawal and full withdrawal. When applying for partial withdrawal of the amount from my housing provident fund account, I need to keep at least three months of deposits in my account. Employees who apply for housing provident fund loans must have a sufficient deposit balance in their personal accounts to be included in the calculation of the loan limit.

Applicants for partial withdrawal of the amount from one’s housing provident fund account include: when purchasing a self-occupied house, the cumulative withdrawal amount of the employee and his or her spouse shall not exceed the total amount of house purchase money actually paid. If payment is made in full, the total amount of house purchase money actually paid shall be the total price indicated in the house purchase contract or the total amount of payment voucher; if a house purchase loan is applied for, the total amount of house purchase money actually paid shall be the down payment amount indicated in the house purchase contract.

When purchasing a self-occupied house, the cumulative amount withdrawn by the employee and his or her spouse shall not exceed the total purchase price actually paid. If there are two or more buyers of the house purchased, the cumulative withdrawal amount of all buyers and their spouses shall not exceed the total purchase price actually paid. For construction, renovation, or overhaul of self-occupied housing, the cumulative amount withdrawn by the employee and his/her spouse shall not exceed the actual cost of construction, renovation, or overhaul of self-occupied housing. The cost of construction, renovation, and overhaul of self-occupied housing shall be based on the total amount of bills for purchasing building materials and paying other expenses. When repaying the principal and interest of a home purchase loan, the cumulative amount withdrawn by the employee and his or her spouse shall not exceed the total actual repayment of principal and interest of the loan in the past 12 months as of the date of application for withdrawal.