1. After buying a house, you can withdraw the provident fund once within a year. If you want to use the provident fund to pay the down payment, it will definitely not work. 2. The provident fund can only be withdrawn once a year, and it is not allowed to be withdrawn in the current form. It must be paid back directly to the loan. The settlement period of the provident fund is from July 1st to June 30th of the next year. 3. Withdrawal procedures: (I am from Shenyang, so the following are the regulations of Shenyang City) If an employee purchases a self-occupied house in cash within 1 year (based on the date of issuance of the "House Ownership Certificate"), he or she can withdraw the house with relevant requirements. Provident Fund. Requirements for retrieval: ① ID card (original and copy of the employee's own ID card, if the spouse applies for the application, proof of marital relationship ("Marriage Certificate" or "Resident Household Registration Book"), original and copy of the spouse's ID card); ② Housing Provident Fund Inquiry Magnetic Card; ③ "Housing Provident Fund Purchase and Withdrawal Application Approval" stamped with the seal reserved by the unit; ④ "House Ownership Certificate" original and copy; ⑤ "Deed"; ⑥ The spouse of the house owner applies to withdraw housing provident fund If required, proof of marital relationship (original and copy of "Resident Household Registration Book" or "Marriage Certificate") is also required. Withdrawal amount: Employees who comply with the provisions of this article can withdraw housing provident fund once. The amount withdrawn is the regular balance in the employee’s housing provident fund account (the regular balance of housing provident fund is the amount carried forward on June 30 each year), and it shall not exceed the amount purchased for self-occupation. Housing costs. During the period when employees are repaying commercial loans, the commercial part of portfolio loans, or housing provident fund loans from non-Shenyang Housing Provident Fund Management Center, they can withdraw housing provident funds if they meet the relevant requirements. Requirements for retrieval: ① ID card (original and copy of the employee's own ID card, if the spouse applies for the application, proof of marital relationship ("Marriage Certificate" or "Resident Household Registration Book"), original and copy of the spouse's ID card); ② Housing Provident Fund Inquiry Magnetic Card; ③ "Housing Provident Fund House Purchase Withdrawal Application Approval Letter" stamped with the company's reserved seal; ④ "House Ownership Certificate" original and copy; ⑤ "Loan Contract"; ⑥ "IOU"; ⑦ Borrower's spouse If you apply to withdraw housing provident fund, you must also provide proof of marital relationship (original and copy of "Resident Household Booklet" or "Marriage Certificate"); ⑧The latest "Bank Repayment Statement". Repayment of commercial loans or non-Shenyang Housing Provident Fund Management Center housing provident fund loan withdrawal quota: Before the loan is repaid, employees and their spouses can withdraw the regular balance of the housing provident fund account (the regular balance of the housing provident fund is carried forward on June 30 each year) amount), but shall not exceed the sum of the loan balance and interest. If the current year's deposit amount exceeds the current year's repayment amount, the withdrawal amount shall not exceed the current year's repayment amount. Employees and their spouses who repay the combined loan can withdraw no more than the annual repayment amount of the commercial loan portion from the regular balance after ensuring the repayment of the housing provident fund loan portion.