Legal analysis: if you purchase a self-occupied house and withdraw the housing accumulation fund, you can apply for withdrawing the account balance of yourself and your spouse in the previous year:

(1) If the principal and interest of the loan are repaid, it shall not exceed the principal and interest of the current year or be repaid in advance;

(2) Non-loan purchase of owner-occupied housing, the one-time withdrawal amount shall not exceed the total purchase price;

(3) The one-time withdrawal amount of commercial bank loans for purchasing owner-occupied houses shall not exceed the down payment amount.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(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.