The housing provident fund can be withdrawn once a year. The analysis is as follows:

1. If you purchase a self-occupied house without a mortgage, you can generally withdraw it once a year;

2. If you do not repay the loan on a monthly basis, you can withdraw it once every six months;

3. If you rent a house to withdraw housing provident fund, you usually apply once a year.

The main purposes of housing provident fund:

1. Buy a house. If employees who participate in housing provident fund deposits have a need to buy a house, they can apply for a housing provident fund loan if they meet the conditions. The housing provident fund loan interest rate is much lower than commercial interest rates, which can save a lot of loan interest fees for home buyers. In addition, if the home buyer applies for a commercial loan to purchase a house, he or she can apply to withdraw the housing provident fund for down payment, or withdraw the housing provident fund to repay the principal and interest;

2. Build and renovate a house. Provident fund depositors who build or renovate their own houses on rural collective land can withdraw provident funds if they meet the conditions;

3. Rent a house. If the provident fund depositor is currently renting a house and the rent exceeds a certain proportion of the family income, he or she can apply to withdraw the personal provident fund for rent;

4. For daily living expenses. If employees are included in the minimum living allowance or special poverty relief for urban residents, they can apply to withdraw provident funds for daily expenses;

5. Withdrawal from account cancellation. If a provident fund depositor retires, retires, or settles abroad, he or she can apply for a one-time withdrawal of personal housing provident fund as long as the provident fund account cancellation conditions are met.

To sum up, the housing provident fund refers to state agencies and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, Long-term housing savings contributed equally by social groups and their employees.

Legal basis:

Article 24 of the "Housing Provident Fund Management Regulations"

If an employee has any of the following circumstances, he or she may withdraw funds from the employee housing provident fund account The storage balance of:

(1) Those who purchase, build, renovate or overhaul their own houses;

(2) Those who retire or retire;

(3) ) Completely loses the ability to work and terminates the labor relationship with the employer;

(4) Leaving the country to settle down; (5) Repaying the principal and interest of the house purchase loan;

(6) 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, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time. If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.