According to different situations, the provident fund can be withdrawn once a month or four times a year, as follows:

1, housing provident fund can be withdrawn once a month in the case of buying a house and using a mortgage, and the total amount of withdrawal shall not exceed the actual housing expenditure;

2. In the case of one-time payment for house purchase, employees and their spouses can withdraw the housing provident fund in full once every quarter, up to four times a year.

Provident fund withdrawal process:

1. Materials provided by employees and audited by the unit. After the examination and approval, the handling personnel of the unit fill in the Application Form for Housing Provident Fund Extraction and the Inventory of Housing Provident Fund Extraction, and submit an application to the account management department with the original and photocopy of relevant certification materials.

2, provident fund center management personnel to review the materials, give a reply within 3 days;

3. For eligible employees, the Provident Fund Center will establish a record sheet of housing provident fund withdrawal, and affix the words "housing provident fund withdrawal has been processed" on the purchase invoice (or purchase receipt, down payment invoice, rent invoice, tax payment voucher and purchase material invoice);

4. The personnel of the management department shall record the information in the housing provident fund withdrawal list and confirm the personal savings account.

Legal basis: Article 25 of the Regulations on the Administration of Housing Provident Fund.

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. 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.