Legal analysis: Housing provident funds cannot be withdrawn casually. Certain conditions must be met before they can be withdrawn.

Legal basis: Article 5 of the "Housing Provident Fund Management Regulations" The housing provident fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may misappropriate it for other purposes.

Article 16 The monthly payment and deposit amount of the employee housing provident fund is the employee's average monthly salary in the previous year multiplied by the employee housing provident fund payment and deposit ratio.

The monthly payment and deposit amount of the housing provident fund paid by the unit for its employees is the employee's average monthly salary in the previous year multiplied by the unit's housing provident fund payment and deposit ratio.

Article 24 If an employee has any of the following circumstances, he or she may withdraw the balance in the employee housing provident fund account: (1) Purchasing, constructing, renovating, or overhauling a self-occupied house; (2) Retiring or retiring; (3)

Completely losing the ability to work and terminating the labor relationship with the employer; (4) Leaving the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (6) The rent exceeding the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.

If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.