Retirement, complete loss of labor ability and termination of labor relations with the unit, employees whose registered permanent residence has moved out of the city and employees whose registered permanent residence has not moved out of the city and terminated labor relations with the unit, went abroad or settled down, died or was declared dead (extracted by heirs or legatees) are not subject to time restrictions. In these cases, they can withdraw the housing provident fund at any time.

2. Extraction after two years.

Employees who have been punished, dismissed or voluntarily resigned during their employment, and have terminated their labor relations with the unit and have not found a new job may also quit after two years.

3. Extraction within one year

Purchase, construction, renovation, overhaul of owner-occupied housing, repayment of personal housing loan principal and interest, or rent accounting for more than 15% of family wage income shall be handled within one year after these things happen, and will not be accepted after the deadline.

Use:

1, buy a house

There are two forms to withdraw provident fund to buy a house: for buyers who do not lend, they can withdraw provident fund at one time to pay the cost of buying a house; For loan buyers, you can withdraw the provident fund to repay interest and pay the down payment.

Step 2 rent a house

Young people who work hard outside need to rent a house. At this time, you can use the provident fund to pay the rent. However, it should be noted that the withdrawal of provident fund should be applied within six months after the lease contract comes into effect and the contract expires.

Extended data:

The nature of housing accumulation fund

1, security, the establishment of employee housing provident fund system, providing a guarantee for employees to solve housing problems faster and better;

2. Mutual assistance, the establishment of housing provident fund system can effectively establish and form a mechanism and channel for workers with housing to help workers without housing. Housing provident fund provides financial assistance to workers without housing, which reflects the mutual assistance of housing provident fund to workers;

3. In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the date of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.