it is still useful not to buy a house provident fund. The specific uses are as follows:

1. Houseless households can use it when paying rent;

2. It can be used in case of serious diseases;

3. It can be used when terminating or dissolving the labor relationship with the company;

4. You can use it when you retire; It can be used in the construction, renovation and overhaul of self-occupied houses;

5. It can be used when enjoying the minimum living guarantee.

The process of withdrawing housing provident fund is as follows:

1. First of all, I need to provide my real ID card and its copy, and I need to provide different and corresponding supporting materials according to the different purposes of withdrawing housing provident fund. Then I need to go to my unit to receive and fill out the Application Form for Withdrawing Housing Provident Fund, and pay attention to affix the seal reserved by the unit to ensure its effectiveness;

2. The second step is to take the mentioned certificates, application forms and corresponding supporting materials to the housing provident fund management department where the employee originally deposited the provident fund;

3. Step 3: After being audited by the local housing provident fund management department, confirm whether the confirmed situation meets the conditions for housing provident fund withdrawal, and determine whether the submitted certification materials are true and legal;

4. If the application is examined and approved by the housing provident fund management department, you need to provide the personal savings account number of the designated bank. The housing provident fund management department will then go through the procedures for the withdrawal of housing provident fund;

5. When the housing provident fund management department completes the procedures for withdrawing the housing provident fund, it will transfer the amount applied for withdrawal into the provided account. After that, as long as you go to the bank and hold a bank card, you can withdraw the housing provident fund.

Legal basis: Article 3 of the Regulations on the Management of Housing Provident Fund

The housing provident fund paid by individual employees and the housing provident fund paid for employees by their units belong to individual employees.

Article 4

The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, storage in special bank accounts and financial supervision.

Article 5

The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied houses by employees, and no unit or individual may use it for other purposes.

article 6

the deposit and loan interest rate of housing provident fund is proposed by the people's bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.