Legal analysis: In any of the following circumstances, and can provide legal and valid certificates as required, you can consult your unit and apply for withdrawing the storage balance in your housing provident fund account: 1, and purchase, build, renovate or overhaul the owner-occupied housing with ownership. 2. Retired. 3. Total loss of working ability or severe disability is one of the common situations, and there are more than ten situations such as dissolution or termination of labor relations with the unit.

Legal basis: 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-sixth workers who have paid housing provident fund can apply for housing provident fund loans to 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.