Usually, there are many ways to withdraw the provident fund, which can be through housing, transfer when leaving the company or withdrawal after closing the account. The procedures and procedures for withdrawing housing provident fund vary from place to place. 1. Application conditions for withdrawal of housing provident fund: 1. Individual urban workers and their units must continue to pay housing provident fund for one year. 2. If the borrower purchases a commercial house, it must have self-raised funds of not less than 30% of the total house price as the down payment. 3. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan. 4. If both husband and wife normally pay the housing provident fund in full, only one party is allowed to apply for a housing provident fund loan. 5, a family can only apply for a housing provident fund loan to buy a house at the same time. 6. The lender must have permanent residence or valid residence status in the town of this province (city). 7. Agree to use the purchased house as collateral. 2. Materials required for withdrawal of housing accumulation fund: 1, valid identity certificates of the borrower and spouse (if any), and household registration book (the second-generation ID card needs to be copied on the back page, and the household registration book should be copied on the title page, home page, borrower and spouse page). 2. Marriage certificate: if unmarried, the marriage registration office at the place where the household registration is located will issue a single certificate; Divorce certificate and non-remarriage certificate (divorce certificate, court judgment or ruling, and non-remarriage certificate issued by the marriage registration authority where the household registration is located); Married people provide marriage certificates. 3. The original purchase contract signed by the borrower and the selling unit. 4. The loan application form filled out by the borrower and his/her spouse (married) * * *, the deposit certificate of housing provident fund issued by the unit, the proof of salary income, and the borrower's bank card have been in the past year. 5. The down payment receipt delivered by the borrower to the selling unit in advance shall not be less than the amount stipulated in this agreement. 3. Procedures for withdrawal of housing accumulation fund: 1. The borrower can submit a written loan application and submit relevant materials to the loan bank, which will submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval; 2, approved by the housing provident fund management department of the borrower, and the loan bank signed a loan contract and guarantee contract, mortgage registration, insurance, notarization and other related procedures; 3. The loan contract stipulates that the loan bank will transfer the loan to the special account for selling houses set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank; 4. The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract; 5. After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation formalities at the original mortgage registration department.