Legal subjectivity: It can be withdrawn only if the following conditions are met: the conditions for employees to apply for withdrawing housing provident fund and the conditions for applying for the amount.

Employees who meet one of the following conditions may apply to withdraw their housing provident fund: (1) Purchase, build, renovate or overhaul their own housing; (2) Repay the principal and interest of a housing loan with their own property rights; (3) Rent a housing for themselves

(4) Retirement or retirement; (5) Complete loss of working ability and termination of labor relationship with the unit; (6) Employees buying out their seniority after enterprise merger or bankruptcy;

(7) Employees with registered residence in this city who have not been employed for more than 2 years after terminating the labor relationship with their unit, or men who are over 50 years old, and women who are over 45 years old; (8) Those who are transferred out of this city; (9) Those who go abroad or settle abroad;

(10) The employee dies or is declared dead.

Legal objectivity: Article 25 of the "Housing Provident Fund Management Regulations" If an employee withdraws the balance in the housing provident fund account, the unit where he/she works shall verify it and issue a withdrawal certificate.

Employees should apply to the Housing Provident Fund Management Center to withdraw housing provident funds with the withdrawal certificate.

The Housing Provident Fund Management Center shall make a decision on whether to approve the withdrawal or not to allow the withdrawal within 3 days from the date of accepting the application, and notify the applicant; if the withdrawal is approved, the entrusted bank shall handle the payment procedures.

Article 26 Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes.

The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures.

The risks of housing provident fund loans are borne by the housing provident fund management center.