Housing accumulation fund is a long-term housing savings paid by units and their employees, and it is the main form of monetization, socialization and legalization of housing distribution. At present, users can choose three different repayment methods according to their own different situations: one-time repayment, stopping repayment for several months and monthly repayment. 1. One-time repayment means that after the loan balance is repaid in one lump sum with the extracted housing provident fund balance, the borrower will continue to repay the loan on a monthly basis according to the remaining loan principal and the monthly repayment amount recalculated after the repayment period. 2. The method of stopping repayment for several months means that after the loan balance is repaid in one lump sum with the extracted housing provident fund balance, the corresponding number of months will be stopped after rounding up the extracted housing provident fund balance and the current monthly repayment amount, and the number of months to stop repayment will not exceed 12 (even if the extracted housing provident fund balance is greater than the monthly repayment amount 12, the number of months to stop repayment will not exceed 12). The interest owed during the suspension period is not subject to penalty interest or compound interest, and will be deducted from the monthly repayment after suspension. 3. Monthly repayment method refers to the method of directly withdrawing the amount used to repay the loan principal and interest of the current month from the customer's provident fund account every month. When the amount of the withdrawn provident fund is insufficient, the client shall make up the repayment amount in time. Customers can only withdraw the housing provident fund for repayment once a year, using one-time repayment and stopping repayment for several months. The specific time shall be subject to the agreement in the power of attorney, and the withdrawal amount shall not exceed the sum of the loan principal balance and interest of the housing provident fund loan and the commercial housing loan at the time of transfer. If the monthly repayment method is adopted, the housing provident fund can be withdrawn once a month to repay the loan of the current month, and the withdrawal amount does not exceed the sum of the principal and interest of the housing provident fund loan and the commercial housing loan returned in the current month at the time of transfer.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (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.