(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.

……………………

If your situation meets the first requirement, you can withdraw the housing accumulation fund.

Because your house payment has been paid in one lump sum, according to the relevant regulations (Shanghai regulations), you can go to the local provident fund management center or the provident fund deposit bank to handle the withdrawal procedures within six months with the purchase invoice, real estate license, ID card and the Certificate of Withdrawal of Provident Fund issued by the unit (also called the application for withdrawal of provident fund).

If your house payment is paid to an individual, you can ask for an invoice when you go to the real estate trading center to handle the property certificate.

You can also consult the local provident fund management center.

I hope it helps you.