You can't.
According to the Regulations on the Management of Housing Provident Fund:
Twenty-fourth in any of the following circumstances, employees can withdraw the balance of my 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.
Extended data:
According to the Regulations on the Management of Housing Provident Fund:
Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
Twenty-seventh applicants who apply for housing provident fund loans shall provide guarantees.
Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, with the approval of the housing provident fund management committee, the housing provident fund can be used to buy government bonds.
The housing provident fund management center shall not provide guarantees to others.
Do I have to pay off all credit card debts before I can borrow provident fund loans?
You don't need to pay off the credit card debt when using the provident fund loan, as long as there is no overdue repayment during the use of the credit card, which will affect the credit information.
Taking Zhengzhou Housing Provident Fund as an example, according to the loan conditions stipulated in the Instructions for Housing Provident Fund Loans issued by Zhengzhou Housing Provident Fund Center:
1. Valid identification of the borrower and its spouse;
2. It is stipulated that the down payment has been paid, the down payment loan amount = the total house payment, and the house payment has not been paid;
3. The borrower has paid the housing provident fund continuously, on time and in full for more than 6 months (inclusive) after opening the deposit account, and has not paid it for more than 4 consecutive months recently;
4, the family income is stable, good reputation, the ability to repay the loan principal and interest;
5. Agree to provide loan guarantee approved by the Housing Provident Fund Management Center;
6. The borrower and spouse have no outstanding housing provident fund loans or large debts.
Extended data:
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.