1. The employee has continuously paid the housing accumulation fund in full for 3 months, and my spouse and I have no own house or rented house within the administrative area of this Municipality;

2. You can withdraw the housing accumulation fund of both husband and wife to pay the housing rental expenses of the current year.

Nanjing provident fund rental extraction process is as follows:

1. Employees whose housing provident fund accounts are centrally managed in the center, who meet the conditions for renting and withdrawing, shall bring relevant certification materials to the management center to apply for withdrawing housing provident fund;

2. Employees whose housing provident fund accounts are deposited in various service outlets in the main city meet the conditions of renting houses, and bring relevant certification materials to the corresponding service outlets to apply for the withdrawal of housing provident fund;

3. Employees whose housing provident fund accounts are deposited in sub-center service outlets meet the conditions for housing provident fund withdrawal, and bring relevant supporting materials to the corresponding sub-centers to apply for housing provident fund withdrawal.

The withdrawal amount of Nanjing provident fund rental is as follows:

1. If renting public rental housing, it shall be calculated according to the actual rent incurred in that year;

2. For renting commercial housing, the monthly withdrawal amount of unmarried employees shall not exceed 900 yuan, and the total monthly withdrawal amount of married employees and couples shall not exceed 1.800 yuan.

To sum up, employees who have paid the housing provident fund in full for 3 months in a row, and their spouses have no own housing and rent housing within the administrative area of this Municipality, can withdraw the housing provident fund of both husband and wife.

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:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(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;

(six) the 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 shall be included in the value-added income of the housing provident fund.