The employing unit shall, within one month from the date of employment, timely declare social security registration for the workers and apply for registration with the housing provident fund management center, and pay social security fees and provident fund for the workers in full and on time.

Provident fund withdrawal process:

1. Submit application: individuals need to submit the Application Form for Withdrawal of Housing Provident Fund and related supporting materials to the local provident fund management center to apply for withdrawal of provident fund. Different application materials need to be submitted for different extraction reasons, such as the purchase contract, real estate license and other materials required for the purchase of a house, the lease contract and housing lease and other materials required for the payment of rent;

2. Review materials: the provident fund management center reviews the application materials of individuals to confirm whether the personal identity, withdrawal reasons, withdrawal amount and other related information meet the requirements;

3. Approval: If the approval is passed, the provident fund management center will notify the individual and transfer the withdrawal amount to the bank account designated by the individual;

Conditions for withdrawal of provident fund:

1. Time requirement for personal provident fund account deposit: Generally, personal provident fund account is required to be deposited for at least 6 months, and the specific time standard may be slightly different;

2. Reasons for withdrawal: The withdrawal of the provident fund must comply with the withdrawal reasons stipulated by the local provident fund management center, such as purchasing the first house, paying the house rent, medical treatment for serious illness, education for children, etc.

3. Withdrawal amount: The withdrawal amount of provident fund is subject to different regulations and restrictions of various provident fund management centers, but generally it cannot exceed a certain proportion or a certain amount of personal account balance;

4. Relevant certification materials: Relevant certification materials are required to withdraw the provident fund, such as the purchase contract and real estate license for withdrawing the house, the lease contract and house lease for withdrawing the rent, etc.

To sum up, the use of housing provident fund to buy a house loan needs to meet certain conditions, such as the need to meet local regulations and the loan amount needs to be within a certain range.

Legal basis:

Article 25 of the Regulations on the Management of Housing Provident Fund

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.