According to the provisions of Article 24 of the Regulations on the Management of Housing Provident Fund, employees can withdraw the storage balance in their housing provident fund accounts in any of the following circumstances:

1, purchase, build, renovate and overhaul owner-occupied housing;

2. Repay the principal and interest of the loan for the purchase and construction of owner-occupied housing;

3. Renting self-occupied housing, and the rent exceeds a certain proportion of family wage income;

4. Retired;

5. Go abroad to settle down;

6. The employee dies or is declared dead;

7. Enjoy the urban minimum living guarantee;

8, completely or partially lose the ability to work, and terminate the labor relationship with the unit;

9. Other circumstances stipulated by the CMC in accordance with relevant laws and regulations.

Summary: Article 25 of the Regulations stipulates that if an employee withdraws the storage balance in the housing provident fund account, it shall be verified by his unit and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Two, how to use the housing provident fund cash loans

The processing flow is as follows: 1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loans and truthfully provide the following information: (1) Proof of deposit of the applicant's and spouse's housing provident fund; (2) Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status; (3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; (4) valid documents such as purchase contract and agreement; (5) List of mortgaged property and pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of mortgage evaluation issued by relevant departments; (6) The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor sign a tripartite contract. (7) Other information required by the Provident Fund Center. 2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time. 3 provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results. 4. The bank shall notify the applicant to go through the loan formalities according to the approval result of the provident fund center, and the borrower and his wife shall sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract. 5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping. Provident fund loans refer to housing provident fund. State organs, institutions, state-owned enterprises, private enterprises and other institutions have long paid provident fund for employees. Workers can withdraw provident fund or apply for provident fund loans when buying a house, and enjoy certain preferential treatment. Provident fund loans have the following characteristics: 1. Universality. Housing provident fund is paid to all urban workers, and rural registered employees do not enjoy such preferential policies; 2. Welfare. Employees who apply for housing provident fund loans know that the interest rate of provident fund loans is much lower than that of commercial loans, and the loan has a long optional period and a large loan amount, which generally requires less lenders; 3. Mandatory. The state has formulated the Regulations on the Management of Housing Provident Fund, and any unit must pay the housing provident fund to employees in time. Any unit fails to do or can't do it within the time limit, which can be handled by the administrative department.

Third, how to cash out with housing provident fund loans?

You can borrow money, but you have to buy a house or decorate it, but you can put forward a provident fund at one time. When applying for housing provident fund loan, the lender needs to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loan and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

Fourth, how to cash out with housing provident fund loans?

If you can't lend cash, you can only withdraw cash from real estate companies, or with the purchase contract and renovation contract.