Employees and their spouses who are required to withdraw provident funds due to purchase, construction, renovation, overhaul of self-occupied housing, repayment of principal and interest of housing loans, etc., shall submit relevant applications to the provident fund management center. According to the time of application, At the agreed time filled in, the provident fund management center will transfer the withdrawn provident fund to the employee's own provident fund joint card savings account on time.

Legal basis: Article 24 of the "Housing Provident Fund Management Regulations" states that if an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account: (1) Purchase, construction, renovation, Those who overhaul their self-occupied houses; (2) Retirement or retirement; (3) Those who completely lose the ability to work and terminate the labor relationship with the unit; (4) Those who leave the country to settle down; (5) Those who repay the principal and interest of the home purchase loan; (6) Rent Exceeding the prescribed proportion of family salary income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.

If an employee dies or is declared dead, the employee’s heirs and legatees can withdraw the balance in the employee’s housing provident fund account; if there is no heir or legatee, the balance in the employee’s housing provident fund account can be withdrawn. Included in the value-added income of the housing provident fund.

The process for individuals to apply for provident fund loans is as follows:

1. After the borrower has prepared all the loan materials, go to the housing provident fund management agency for review and approval;

2. Purchase For first-hand existing houses or second-hand houses, you should apply to the Provident Fund Center outlet and go through the loan procedures at the Provident Fund Center outlet;

3. Entrust the bank to sort out the materials and go to the real estate transaction department to handle the mortgage and pledge procedures;

4. After the mortgage and pledge certificates are issued, the bank will sort out the borrower's materials and submit them to the provident fund management agency for review and loan lending.

How much can you borrow if you have a provident fund account of RMB 10,000?

There are different loan amounts depending on the current status of the provident fund account. 1. If the status is that the relationship has been severed, the individual can only borrow up to 400,000 yuan. If the user's spouse's housing provident fund loan is also used on this basis, the loan amount will be increased, and the maximum loan can be up to 600,000.

2. If the status is depositing, the personal loan amount will be larger than that of the status of discontinuing payment, and the maximum loan amount can be up to 500,000. If on this basis, the spouse's provident fund is also being deposited, the maximum loan can be up to 700,000.