1. If the property under your spouse's name has been paid off, you can apply to the local provident fund management center for withdrawal of the provident fund with the property certificate and other necessary materials;
2. If the property under your spouse's name has not been paid off, you can first understand the local policies and see if you can apply for withdrawing part of the provident fund as repayment. Some areas allow this, but some areas do not;
If the property under your spouse's name is commercial rather than residential, you can also apply for withdrawal of housing provident fund. However, you need to provide some additional materials, such as supporting documents of commercial real estate.
4. If you and your spouse jointly bought a house, and you or your spouse has paid off the loan, you can apply to the local provident fund management center to withdraw the provident fund with the purchase contract, property certificate and other necessary materials. If the housing loan has not been paid off, you can ask the bank whether to allow some early repayment and provide relevant materials for processing;
If the property under your spouse's name is common property, you can also apply for withdrawal of housing provident fund. However, relevant property certificates, marriage certificates and other materials are required to prove that the property is common property.
The conditions for withdrawing the provident fund are as follows:
1, housing mortgage loan and normal repayment for one year;
2. Only one (inclusive) loan of the applicant and his spouse in the provident fund center has been settled.
To sum up, the housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
Legal basis:
Article 24 of the Regulations on the Management of Housing Provident Fund
In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:
Purchase, construction, renovation and overhaul of owner-occupied housing;
2 retired;
(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;
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 will be included in the value-added income of the housing provident fund.