The conditions for withdrawing housing accumulation fund are that employees purchase, build, renovate or overhaul their own houses, retire, completely lose their ability to work and terminate their labor relations with their units, and settle abroad to repay the principal and interest of housing loans. If the rent exceeds the prescribed proportion of family wage income, you can withdraw the provident fund.

Legal objectivity:

In Items (1) and (3) of Article 24 of the Regulations on the Administration of Housing Provident Fund, employees may withdraw the storage balance in their housing provident fund accounts under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (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. 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.