The procedures required to withdraw the housing provident fund are as follows:

1. Apply and submit the materials as follows:

(1) I will handle it myself, bring my personal ID card, proof of the deposit of the provident fund and relevant certification materials for the purpose of withdrawal, and choose any management department and entrusted bank agent to apply;

(2) When the unit manager handles the application, he/she will bring his/her ID card, the Personal Authorization and Commitment Letter for Applying for Withdrawal of Housing Provident Fund filled out by the applicant, and relevant certification materials for withdrawal purpose, and choose any management department and entrusted bank agent to apply;

(3) when entrusting others to handle the matter, the principal shall bring the ID cards of the principal and the principal, the Personal Power of Attorney and the relevant certification materials for the purpose of extraction, and select any management department and the agency of the entrusted bank to apply.

2. Management center audit. The local housing provident fund management center will conduct an audit based on the information after accepting it, and then make a decision on whether to approve or disapprove the withdrawal, and notify the customer;

3. If the allocated funds are allowed to be withdrawn, the local housing provident fund management center will release the withdrawn funds to the designated bank card within three working days (customers can go to the bank counter or ATM on the fourth working day to check whether the housing provident fund funds they applied for have arrived, and if they have not arrived, they can call the staff of the housing provident fund management center at 12329).

The functions of five insurances and one gold are as follows:

1. Old-age insurance is to provide for the elderly, and workers can receive pensions when they reach the legal retirement age;

2. Medical insurance is used for medical reimbursement when employees are sick;

3. Unemployment insurance means that employees receive living expenses after they lose their jobs;

4. Maternity insurance is the maternity reimbursement and related treatment for employees;

5. Work-related injury insurance refers to the payment of medical expenses or compensation for related work-related injury benefits when an employee has a work-related injury;

6. Housing accumulation fund is a housing reform. Enterprises and workers each pay a certain amount of housing fund, which can be withdrawn if they meet the conditions for withdrawal, and they can also enjoy lower housing loan interest when purchasing commercial housing, thus reducing the economic burden of workers.

To sum up, the housing provident fund can be withdrawn at one time for buying a house without a loan, and employees and their spouses can apply for withdrawing the housing provident fund amount before the month when the contract or agreement is signed, and the withdrawal amount shall not exceed the purchase price; Workers and their spouses, minor children, other people * * * with the purchase, without the use of housing loans, * * * with one of the buyers and their spouses can withdraw housing provident fund in the above way, other buyers can not withdraw housing provident fund.

Legal basis:

Article 9 of the Regulations on the Management of Housing Provident Fund

The Housing Provident Fund Management Committee shall perform the following duties in the management of housing provident fund:

(1) Formulate and adjust specific management measures of housing provident fund according to relevant laws, regulations and policies, and supervise the implementation;

(2) according to the provisions of article 18 of these regulations, work out the specific deposit ratio of housing provident fund;

(3) determine the maximum loan amount of housing provident fund;

(4) to examine and approve the plan for the collection and use of housing provident fund;

(5) to consider the distribution scheme of value-added income of housing provident fund;

(6) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.