Legal analysis: The withdrawal of housing provident fund can be divided into different situations, and the number of withdrawals is also different: when purchasing a house and using a mortgage loan, the housing provident fund can be withdrawn once a month; when purchasing a house with a one-time payment, the housing provident fund can be withdrawn by employees and their

The spouse can withdraw the housing provident fund in full once every quarter, with a maximum of four withdrawals a year.

Legal basis: Article 65 of the "Social Insurance Law of the People's Republic of China" The social insurance fund achieves a balance of revenue and expenditure through the budget.

People's governments at or above the county level will provide subsidies when social insurance funds are insufficient to pay.

Article 66 The social insurance fund shall establish a budget according to the overall planning level.

Except for the basic medical insurance fund and maternity insurance fund budgets, which are compiled together, other social insurance fund budgets are prepared separately according to social insurance items.

Article 67 The preparation, review and approval of draft social insurance fund budgets and final accounts shall be carried out in accordance with laws and regulations of the State Council.

Article 68 Social insurance funds are deposited into special fiscal accounts, and specific management measures shall be prescribed by the State Council.

Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due.

Article 680 Lending at high interest rates is prohibited, and the interest rate for borrowing must not violate relevant state regulations.

If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest.

If the loan contract does not clearly stipulate interest payment, and the parties are unable to reach a supplementary agreement, the interest will be determined based on factors such as local or party transaction methods, transaction habits, market interest rates, etc. Borrowing between natural persons will be deemed to have no interest.