1, you can withdraw all the provident fund when you buy a house, but the amount is limited, and the remaining amount cannot be less than one year's deposit;
2. After buying a house with a loan, you can withdraw it once a year. This amount is also limited. The balance is not less than one-year deposit, and the withdrawal amount is not more than one-year mortgage amount;
3. Housing provident fund is divided into on-the-job extraction and resignation extraction, non-cancellation extraction and cancellation extraction. No matter what kind of extraction, as long as the corresponding conditions are met, all of them can be extracted at one time. How to purchase a house with provident fund loan;
(1) Property buyers need to apply for a loan application form at the Housing Provident Fund Management Center with the commercial housing sales contract or loan contact form. According to the prompt, the applicant should fill in the housing provident fund loan application form as required;
(2) Ask someone to take your or the auxiliary borrower's ID card and prepare the household registration book at the same time. Sometimes you need to go to the Civil Affairs Bureau to issue a marriage certificate or a single certificate. Take the commercial housing sales contract and the completed "Housing Provident Fund Loan Application Form" to the housing provident fund management core to review the loan amount and calculate the fees to be paid;
(3) Materials that the applicant needs to prepare: application form for housing provident fund loan, original and four copies of commercial housing sales contract, approval letter for real estate sales, sixth copy of maintenance fund receipt, triplicate of house payment receipt, quadruple of ID card of the purchaser, couple ID card 1 couplet, couple household registration book 1 couplet, marriage certificate or single certificate, and pay relevant handling fees before signing the housing provident fund.
(4) The applicant shall withdraw money from the bank window of the housing provident fund management core agency on the specified date and receive the bank receipt.
Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.
In any of the following circumstances, employees 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.