Two ways: Only when the following conditions are met can it be withdrawn: the conditions and amount of the employee's application for withdrawal of housing provident fund 1. Application conditions. Employees who meet one of the following conditions may apply for withdrawing their own housing provident fund: (1) purchasing, building, renovating or overhauling their own houses; (two) to repay the principal and interest of the housing loan owned by the property owner; (three) the rental housing is used for self-occupation, and the rent exceeds the prescribed proportion of family wage income; (4) retirees; (five) completely lose the ability to work, and terminate the labor relationship with the unit; (six) after the merger and bankruptcy of enterprises, employees buy out the length of service; (seven) the household registration workers in this Municipality have been employed for 2 years at the time of termination of the labor relationship with their units, or the men have reached the age of 50 and the women have reached the age of 45; (eight) transferred from the city; (9) Going abroad to settle down; (10) The employee is dead or declared dead. Two. Withdrawal limit (1) Employees who purchase, build, renovate or overhaul their own houses at one time may apply for withdrawal of the balance in their accounts within one year after purchasing, building, renovating or overhauling their houses (the balance in the accounts of 300 yuan and above must be kept). If the balance of my account exceeds the total actual purchase and construction expenditure, it shall be withdrawn according to the actual expenditure. (II) Repayment of principal and interest of housing loans by employees: 1. Employees who apply for commercial loans may apply for withdrawal of the balance in their accounts (the balance in the accounts of 300 yuan and above shall be kept) after the repayment of 1 month, and may apply for withdrawal once a year thereafter, and each withdrawal amount shall not exceed the principal and interest of the current year. Among them, when the loan is settled, the account balance ends at the month when the loan is settled, and it will not be withdrawn after the loan is settled. 2. Employees who apply for housing provident fund loans or portfolio loans can apply for withdrawal of housing provident fund after 12 months of repayment, and then apply for withdrawal once a year, and each withdrawal amount cannot exceed the principal and interest amount of the current year. Among them, when the loan is settled, the account balance ends at the month when the loan is settled, and it will not be withdrawn after the loan is settled. (3) If the rented house is occupied by oneself, and the rent exceeds the prescribed proportion of family income, you can apply for withdrawal once a year, and the amount of each withdrawal cannot exceed 70% of the part where the rent exceeds the prescribed proportion of family income. (4) If the employee's account balance is lower than the above-mentioned withdrawal limit, his spouse may apply for withdrawal of the housing provident fund in his personal account within the limit, but the total withdrawal amount of the employee and his spouse shall not exceed the above-mentioned limit. Provident fund loan process (the following is the purchase of commercial housing with provident fund loan, similar to second-hand housing) (1) Procedure Application → Approval → Signing → Mortgage → Lending → Repayment → Clearing the account (2) Step 1, the applicant receives and fills in the application form, and affixes the official seal of the unit; 2. Acceptance and approval of the provident fund center; 3. Loan contract, mortgage contract or guarantee contract signed after bank review; 4. Go through the mortgage registration formalities; 5. issue loans; 6. The applicant repays the loan on schedule; 7. Clear the household.

If you don't find someone, that is to say, you don't know anyone in the provident fund management office, you must have the original and photocopy of the purchase contract and the original and photocopy of the purchase price (invoice) when you buy a house. Just have a look and leave the copy in the public fund management office. If you know someone, copy someone else's contract and invoice and change it to your own name.