you can't take it at any time. The housing provident fund belongs to the housing savings fund, and employees have their own right to use the provident fund, so they can also withdraw the housing provident fund, but the balance in the provident fund account can only be withdrawn if it meets the relevant regulations. Generally speaking, it is not allowed to withdraw all the housing provident fund, and it can only be withdrawn in full under special circumstances such as resignation, transfer and retirement.

According to the regulations on the management of housing accumulation fund in China, only when employees need to buy, build, renovate or overhaul their own houses; Or retired; Or completely lose the ability to work, and terminate the labor relationship with the unit; Or leave the country to settle down; Or need to withdraw the same as repaying the principal and interest of the house purchase loan; Or if the rent exceeds the prescribed proportion of family wage income, the housing provident fund can be withdrawn.

when employees need to withdraw the provident fund, the unit needs to verify it and issue the withdrawal certificate for the employees. Workers can only apply for withdrawal from the housing provident fund management center after obtaining the withdrawal certificate. After the employee meets the conditions and is allowed to withdraw, the entrusted bank shall go through the payment procedures.

The following conditions must be met when withdrawing the provident fund:

1. Buying, building, renovating or overhauling the owner-occupied housing with ownership;

2. Repaying the principal and interest of the house purchase loan;

3. renting a house for self-occupation;

4. Retired (or reached the legal retirement age);

5. completely losing the ability to work and terminating the labor relationship with the unit where he works;

6, leaving the country to settle down;

7. Employees who are not registered in this Municipality terminate their labor relations with their units;

8. The registered permanent residence moves out of this city, and the labor relationship with the employer is terminated;

9. Laid-off and unemployed persons, male 45 years old (including 45 years old) and female 4 years old (including 4 years old), who have been laid off and unemployed for more than 12 months;

1. If an employee dies or is declared dead, his heirs and legatee can withdraw the balance stored in the employee housing provident fund account.

if the employee withdraws the storage balance in the housing provident fund account, the unit where he works shall verify it and issue a certificate of withdrawal. Employees shall apply to the housing provident fund management center for the withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or not to withdraw, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment formalities.

To sum up, it is Xiaobian's relevant answer to whether the provident fund can be withdrawn at will, hoping to help you

Legal basis:

Article 24 of the Regulations on the Administration of Housing Provident Fund, employees can withdraw the storage balance in their housing provident fund accounts under any of the following circumstances: (1) purchasing, constructing, renovating or overhauling their own houses; (2) Retired; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (five) to repay the principal and interest of the house 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 will be included in the value-added income of the housing provident fund.