The housing accumulation fund is paid for 30 to 40 years. There is no payment period for housing provident fund. You can save housing provident fund before retirement. Without extending the retirement age, male employees can be paid to 60 years old, non-female cadres can be paid to 50 years old and female cadres can be paid to 55 years old. We need to pay for retirement all the time. After retirement, if you don't need to use provident fund loans, you can provide retirement certificates and apply to the local provident fund management center to withdraw the balance of the provident fund. However, if you want to apply for a provident fund loan to buy a house, you need to deposit it for more than 6 months before you can apply.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. According to China's regulations, all enterprises, whether state-owned or private, must deposit and pay housing provident fund for their employees.

legal ground

"Regulations on the Management of Housing Provident Fund" Article 3 The housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for employees belong to individual employees.

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee 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.