1. Personal withdrawal method of commercial loan housing provident fund is as follows:

(1) When individuals withdraw housing provident fund, they need to know in advance whether they meet the conditions for withdrawal, and then bring the original and copy of relevant materials to the window of the local housing provident fund center for withdrawal of housing provident fund;

(2) After the application for withdrawal of provident fund is approved, the original materials shall be returned within 3 working days. If the information is missing or incorrect, it will be returned on the spot during the audit, and can be re-applied after being rearranged according to the relevant tips;

(3) Finally, the applicant should go through relevant procedures such as withdrawal and transfer at the bank where the account is opened.

2. Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund.

In any of the following circumstances, the employee may withdraw the storage balance in the employee 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.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

2. What materials need to be prepared for the withdrawal of housing provident fund?

The following materials need to be prepared for the withdrawal of housing provident fund:

1, original and photocopy of the house purchase contract or house purchase agreement;

2. The original and photocopy of the purchase invoice;

3. The original and photocopy of the employee ID card shall be used to extract the provident fund;

4. Provident fund withdrawal from employees' own bank savings accounts and provident fund withdrawal from employees' spouses. In addition to the above information, the original and photocopy of the husband-wife relationship certificate and the photocopy of the main buyer's provident fund withdrawal record sheet are also required.