An individual's housing provident fund account cannot be cancelled if he wants to cancel it. Only when the following conditions are met can he cancel: the housing accumulation fund deposit unit is merged, divided, reorganized, revoked, dissolved and bankrupt, and the balance and carry-over amount of the unit account are zero can he apply for cancellation.

The method of canceling the provident fund account is as follows:

1. Submit an application: the applicant fills in the Application Form for Change and Cancellation of the Name of the Depositor of Housing Provident Fund and submits the application to the employer.

2. Preliminary examination of the unit: if the unit reviews the applicant's information and meets the conditions for withdrawing the housing provident fund account, it will notify the applicant to go through the withdrawal procedures; If the applicant has a receiving unit, it shall handle the transfer formalities for it; If the applicant has no receiving unit and does not meet the cancellation conditions, the housing provident fund account will be transferred to the provident fund sealed account and the applicant will be informed.

3. Review of provident fund: The applicant will fill in the complete Application Form for Change and Cancellation of the Name of the Depositor of Housing Provident Fund in triplicate and submit the relevant documents or certificates for cancellation of the unit to the provident fund for review and approval, and issue an audit opinion and seal it.

4. Deposit procedures: The applicant shall apply for the provident fund with the approval of withdrawal, and go through the deposit procedures at the housing provident fund management center.

The conditions for handling a joint provident fund card usually include the following aspects:

1. provident fund account: individuals or units holding provident fund accounts can apply for a joint provident fund card.

2. Bank account: Under normal circumstances, you need to open a bank account at the same time to apply for a joint provident fund card. Generally, the bank account is required to be a current deposit account in the name of an individual.

3. Deposit requirements: different regions and different banks have different deposit requirements, generally requiring the provident fund to be deposited for more than 6 months.

4. Bank credit record: applicants need to have a good bank credit record, including bank card use records and loan records.

5. Age requirements: Applicants are generally required to be 18 years old.

To sum up, the specific application conditions may be different due to factors such as regions and banks. Please read the relevant regulations carefully before handling.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis:

Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.