1. Employee application: employees who meet the extraction conditions apply to their units with extraction certification materials;

2. Unit verification: After the unit verifies that the certification materials provided by the employees are correct, it fills in the Application for Withdrawal of Housing Provident Fund in Xingtai City, and affixes the seals reserved by the unit and the agent;

3. Examination and approval by the management organization: Employees or units hold the Application Form for Extraction of Housing Provident Fund in Xingtai City and the extraction certification materials, and apply to the housing provident fund management organization for extraction. The housing provident fund management institution shall, within 3 days from the date of accepting the application, make a decision on whether to approve the withdrawal and notify the applicant;

4. Payment of funds: if the withdrawal is approved, the housing provident fund management institution will transfer the withdrawal funds into the account of the employee's unit within 3 working days, and the unit will return them to the employee after receiving the withdrawal funds.

The application conditions for withdrawal of sealed account are as follows:

1. The deposit has not been renewed for more than half a year in the centralized sealed account management;

2. The employee terminates the labor relationship with the unit and the personal account has been sealed in the unit account for more than half a year and has not been deposited;

3, flexible employment personnel to stop paying housing provident fund for more than half a year, and no outstanding housing provident fund loans. You can withdraw all the balance in the employee's own housing provident fund account and cancel the employee's housing provident fund account at the same time.

Precautions for withdrawal of sealed account are as follows:

1. If the depositor meets the withdrawal conditions but has not repaid the personal housing provident fund loan, the withdrawal of the housing provident fund can only be used to repay the principal and interest of the personal housing provident fund loan first;

2. The employee housing provident fund account cannot be withdrawn during the freezing period.

To sum up, to apply for withdrawal, first of all, employees need to go to the housing provident fund management center where they are located to apply for withdrawal, which will be audited by the unit and approved by the housing management center. After approval, the loan can be released.

Legal basis:

Article 24 of the Regulations on the Management of Housing Provident Fund

In any of the following circumstances, employees 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.