The easiest way to withdraw the provident fund:

1. Purchase the house. When this method is used to withdraw the provident fund, you can directly go to the housing provident fund management center to withdraw it in full;

2. Withdrawal of housing loan. In the absence of binding provident fund repayment, if there is a mortgage that needs to be repaid at present, you can withdraw the provident fund once a year to repay the loan according to the regulations;

3. Use the rental contract to withdraw the provident fund. Now, many areas have implemented such a regulation. If employees rent a house, they can use the lease contract to withdraw the provident fund from their accounts. However, it should be noted that there will be a limit to the withdrawal of the provident fund, and the amount of the withdrawal of the provident fund should be within the amount of rent paid by oneself in one year. However, if you want to withdraw all the provident fund, you need to meet more conditions, and it is not enough to withdraw it by renting a house;

4. house decoration extraction. Housing renovation or renovation of old houses can also apply for withdrawal of provident fund. After providing the decoration entrustment contract with the decoration company and other supporting materials, you can extract it. The staff of the provident fund management center will also inform you in advance of the specific materials required;

5. The court decides to withdraw the provident fund. This way of withdrawing provident fund is rarely encountered. For example, in the case of owing a lot of money to others, they have never repaid it. If others sue through the court, the court will decide to withdraw the money from the provident fund account and transfer it to someone else's provident fund account. This extraction method is a theoretical method, and if it is really implemented, the procedures are also complicated.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund

Employees may withdraw the balance stored in the employee's housing provident fund account under any of the following circumstances:

(1) purchasing, constructing, renovating or overhauling their own houses;

(2) retired;

(3) completely losing the ability to work and terminating the labor relationship with the unit;

(4) leaving the country to settle down;

(5) repaying the principal and interest of the house purchase loan;

(6) 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 legatee can 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 will be included in the value-added income of the housing provident fund.

(6) the rent exceeds the prescribed proportion of family wage income.