Legal analysis: 1. If employees purchase, build, renovate or overhaul housing, they can withdraw the balance in their personal accounts up to the month when the housing purchase and construction contract is signed; 2. Employees repay the principal and interest of housing loans. , can be withdrawn once a year, and the account balance withdrawn each time shall not exceed the amount of principal and interest repayment in the current period; 3. Employees who rent housing for self-occupation can withdraw once a year, and the account balance withdrawn each time shall not exceed 70% of the actual rent expenditure in the current period.

Legal basis: "Regulations of the People's Republic of China on the Administration of Housing Provident Fund" Article 25 If an employee withdraws the balance in the housing provident fund account, the unit where he works shall verify it and issue a withdrawal certificate. Employees should apply to the Housing Provident Fund Management Center to withdraw housing provident funds with the withdrawal certificate. The Housing Provident Fund Management Center shall make a decision on whether to approve the withdrawal or not to allow the withdrawal within 3 days from the date of accepting the application, and notify the applicant; if the withdrawal is approved, the entrusted bank shall handle the payment procedures.