Generally, the provident fund will be refunded on the 20th or 25th of each month, but the specific date will be agreed in the loan contract. When signing a loan contract, users can choose to pay in cash at the bank counter on June 1-20 every month or the system will automatically deduct the money. It is troublesome to repay money at the bank counter, so most users choose to deduct money automatically by the system.

At present, many units provide housing provident fund deposit benefits for employees. After participating in the housing provident fund deposit, you will have the opportunity to apply for a housing provident fund loan when buying a house. The interest rate of housing provident fund loans is much lower than that of commercial loans. For property buyers, choosing to apply for housing provident fund loans can save a lot of loan interest expenses. Users who withdraw the provident fund can go to the local housing provident fund center to handle the provident fund withdrawal business at the window, or they can quickly withdraw the provident fund through Alipay, local social security APP and other software. In fact, many areas have opened the business of withdrawing provident fund online. Users only need to go to the provident fund withdrawal page and submit an application, so they can quickly withdraw the provident fund. The housing provident fund management center shall urge the entrusted bank to handle the business agreed in the entrustment contract in time. The entrusted bank shall provide relevant business information to the housing provident fund management center on a regular basis in accordance with the entrustment contract. Workers and units have the right to inquire about the deposit and withdrawal of their housing provident fund, and the housing provident fund management center and the entrusted bank shall not refuse.

Housing provident fund management center and employees have the right to urge units to perform the following obligations on time:

(a) housing provident fund deposit registration or change, cancellation of registration;

(two) the establishment, transfer or sealing of the housing provident fund account;

(3) Paying the housing provident fund in full.

Legal basis:

"Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's 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.