The accumulation fund has been stored for half a year, which refers to the state that the unit and employees interrupt the wage relationship and temporarily suspend the deposit of housing accumulation fund, and their accounts cannot be transferred, which does not meet the cancellation conditions.

Extracting and sealing the provident fund for half a year means that if you open a housing provident fund account in a different place and deposit it stably for more than half a year during the period of sealing the account, you should go through the transfer and connection procedures in different places; If it does not persist in different places, it can be extracted after half a year of storage. The calculation method is that the storage date of the provident fund starts from the storage date. There are two ways to store employee housing provident fund, one is internal storage of the unit, and the other is centralized storage.

Provident fund loan process:

1. preliminary examination: the housing provident fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation;

2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated;

3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Qualified, the center issued the "housing provident fund management center entrusted loan investigation notice";

4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution;

5. Sign a loan contract;

6, housing fund management center and the entrusted bank loan agreement;

7. The borrower directly submits a loan application to the housing fund management center, and the entrusted industry can summarize the borrower's application according to the needs and submit it to the housing fund management center for approval;

8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.

To sum up, the storage time of provident fund is generally calculated from the termination or dissolution of labor relations between employees and units and the sealing of accounts for half a year. The storage of housing provident fund is called housing provident fund account storage, which means that when the wage relationship between the unit and the employees is interrupted (but the labor relationship is still maintained), the housing provident fund deposit is interrupted, and the housing provident fund account cannot be transferred and does not meet the conditions for withdrawing housing provident fund, the interrupted housing provident fund account should be sealed.

Legal basis:

Article 15 of the Regulations on the Management of Housing Provident Fund

Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go through the formalities for the establishment or transfer of employee housing provident fund accounts.

Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.