The provident fund can be withdrawn about one year after buying a house. Those who buy a house with a one-time payment can provide materials to withdraw the provident fund within one year after buying the house, but they can only withdraw it once; those who buy a house with a loan can withdraw the provident fund once a year after buying the house until the loan is paid off, and the amount withdrawn for each house cannot exceed the year of the loan. Repayment amount.

Employees who have paid housing provident funds can apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and promptly notify the applicant; if the loan is approved, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center.

Legal basis: Article 25 of the "Housing Provident Fund Management Regulations"

If an employee withdraws the balance in the housing provident fund account, the unit where he/she works shall verify it and issue a withdrawal certificate. Employees should apply to the Housing Provident Fund Management Center to withdraw housing provident funds with the withdrawal certificate. The Housing Provident Fund Management Center shall make a decision on whether to approve the withdrawal or not to allow the withdrawal within 3 days from the date of accepting the application, and notify the applicant; if the withdrawal is approved, the entrusted bank shall handle the payment procedures.