Employees who meet the conditions can withdraw the storage balance in the housing provident fund account. Retirement is one of the circumstances in which exit is allowed. If one spouse has a provident fund loan and the other spouse retires, the retired spouse can withdraw his housing provident fund. Relevant certification materials shall be provided when extracting, and shall be handled according to the prescribed procedures. When the husband and wife are in the same debt, the retirement of one party does not affect the other party's withdrawal of provident fund to repay the same debt.

Conditions for withdrawal of provident fund:

1. Retirement withdrawal: When employees reach the retirement age stipulated by the state, they can apply for withdrawal of provident fund with their retirement certificates;

2. Unemployment withdrawal: unemployed workers who have registered for unemployment can apply for withdrawal of provident fund;

3. Purchase withdrawal: employees who purchase, build, renovate or overhaul their own houses can apply for withdrawal of provident fund;

4. Repayment withdrawal: employees can apply for withdrawal of provident fund to repay the principal and interest of housing loans;

5. Rental withdrawal: employees can apply for withdrawal of provident fund when renting a house;

6. Withdrawal from employment: employees who have left their jobs and are not re-employed in this city may apply for withdrawal of provident fund;

7. Transfer and withdrawal from different places: employees who transfer across regions can apply for withdrawal of provident fund;

8. Withdrawal for settlement abroad: Employees can apply for withdrawal of provident fund for settlement abroad;

9. Withdrawal for repayment of provident fund loans: employees can apply for withdrawal of provident fund to repay the principal and interest of provident fund loans;

10. Withdrawal for treatment of serious illness: employees or their immediate family members suffering from serious illness can apply for withdrawal of provident fund.

In summary, employees can withdraw housing provident fund according to regulations after retirement. Even if the spouse has a provident fund loan, the retired party can still withdraw the provident fund for debt or other eligible purposes, and must provide necessary proof and follow due process.

Legal basis:

Regulations on the administration of housing provident fund

Article 24

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.