Legal subjectivity:

1. Purchase of housing 1. When employees purchase commercial housing (excluding commercial and residential buildings and housing used for business purposes) and do not need to apply for provident fund loans, they can choose : ① Withdraw the housing provident fund before applying for the real estate certificate, and provide the "Commercial Housing Purchase and Sales Contract" approved and filed by the national construction (real estate) administrative department and a valid payment voucher. You can withdraw the balance of the housing provident fund before the month of the house purchase contract (including the current month); ② When processing the real estate To withdraw the housing provident fund after the certificate is issued, and provide the "House Ownership Certificate", you can withdraw the balance of the housing provident fund before (including the current month) when the "House Ownership Certificate" is issued. 2. If purchasing public housing, provide the "Public Housing Sales Appraisal Form" and payment voucher or a fund availability certificate issued by the bank; if purchasing a second-hand house, provide the house sales contract and deed tax payment certificate. The housing provident fund balance before (including the current month) of the valid approval document can be withdrawn. Employees can also withdraw provident funds after obtaining the real estate certificate. 3. Withdrawing the housing provident fund for the purchase of a house in another place, raising funds to build a house, demolition and resettlement of housing, etc., shall be handled with the newly received "House Ownership Certificate". 4. When an employee purchases a self-occupied house and needs to apply for a housing provident fund loan, if the amount of provident fund in the housing provident fund account of himself and his spouse is relatively large, he can apply to withdraw part of the funds in the housing provident fund account of himself and his spouse at the same time to pay for the house purchase. However, after withdrawal, the balance in the provident fund account of both the loan applicant and the couple must retain the deposit amount for more than 6 months. 2. Construction, renovation and overhaul of housing 1. If you build a house by yourself, provide a "Construction Project Planning Permit"; 2. If you renovate a self-occupied house, provide a "Construction Project Planning Permit" and "House Ownership Certificate". 3. If the self-occupied house is overhauled, it is necessary to provide the overhaul appraisal certificate from the housing safety appraisal department or the "Construction Project Planning Permit" and "House Ownership Certificate" from the planning department. 3. Retirement and retirement certificates or divorce and retirement procedures approved by the labor and personnel department. 4. Those who have completely lost their working ability and terminated the labor relationship with the unit shall provide the "Labor Ability Appraisal Form for Disabled Employees" issued by the labor appraisal department at or above the county level and the certificate of termination of the labor relationship by the unit. 5. For departure and settlement, the exit and settlement procedures, passport, visa and other certificates issued by the public security department are required. 6. When heirs and legatees withdraw the housing provident fund of deceased employees, they must provide relevant certification materials of the right to inherit and bequeath, as well as the employee’s death certificate and the ID card of the withdrawer. 7. Termination of labor relationship with the unit 1. Employees who have terminated the labor relationship with their unit. If men are over 50 years old and women are over 40 years old, they can withdraw the balance in their housing provident fund accounts. Provide proof of termination of the labor relationship between the employee and the unit (employment registration certificate). 2. Employees who hold a minimum living allowance certificate for residents (certificate of special poverty) and have terminated their labor relationship with their employer can withdraw the balance in their housing provident fund account. Provide proof of termination of the labor relationship between the employee and the unit (employment registration certificate) and minimum living allowance (special poverty) certification documents issued by the functional department. 3. If the husband and wife terminate the labor relationship with their employer, causing difficulties in family life, the balance in the housing provident fund account of both parties can be withdrawn. Provide documents proving the termination of the labor relationship between the employee and his wife and the unit (employment registration certificate) and marriage relationship. 4. If an employee terminates the labor relationship with the unit because his or her immediate family members (parents, children) suffer from major diseases covered by medical insurance or encounter other emergencies that cause serious difficulties in family life, the employee's housing provident fund account can be withdrawn Store balance. Provide proof of termination of the labor relationship between the employee and the unit (employment registration certificate), household register, and certification documents issued by medical institutions or other functional departments. 8. Employees who move their household registration out of this city must provide a household registration transfer certificate issued by the public security agency of the place where their household registration is transferred. 9. If an employee is sentenced and terminates the labor relationship with his employer during his employment, a judgment issued by the judicial department and the employee's power of attorney shall be provided. 10. If employees who do not have a household registration in this city leave this city and terminate their labor relationship with their employer, they must provide their ID card (or household registration booklet) and certificate of termination of labor relationship. 11. Entrusted withdrawal and loan repayment Employees who use housing provident funds to repay housing provident fund housing loans must first sign an entrusted loan repayment agreement with the loan bank entrusted by the center. Entrusted loan repayment takes the form of centralized approval and deduction. 12. Repayment of commercial housing loans. If you apply to withdraw housing provident funds to repay commercial housing loans, the application will be processed in one go when the balance of the employee's housing provident fund is approximately equal to the loan balance, and a transfer will be used, and a "Loan Contract" and a list of immediate repayment balances will be provided.

Legal objectivity:

Article 24 of the "Regulations on the Administration of Housing Provident Fund" If an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account: (1) Purchase, construction, renovation, or overhaul Those who live in their own homes; (2) Retired or retired; (3) Those who have completely lost their ability to work and terminated their labor relations with their units; (4) Those who left the country to settle down; (5) Those who repay the principal and interest of the home purchase loan; (6) The rent exceeds A prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time. If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.