You can withdraw the provident fund if you meet the following conditions:

1. Purchase, construction and decoration of houses;

2. retirees;

3, has completely lost the ability to work, and the labor relationship is terminated;

4. People who have settled abroad;

5. Persons who need to pay the principal and interest of the house purchase loan;

6, the rent exceeds the prescribed proportion of family income.

According to the provisions of the Hong Kong Mandatory Provident Fund Authority, employees can withdraw MPF under the following circumstances:

1. Reaching retirement age: Employees who reach the retirement age stipulated in the MPF scheme can apply for full withdrawal of the MPF.

2. Permanent absence from Hong Kong: employees who leave Hong Kong permanently and no longer engage in any work related to Hong Kong can apply for withdrawal of all MPF funds.

3. Serious illness or disability: Employees diagnosed with serious illness or disability may apply for withdrawal of part or all of the MPF.

4. Death: After the death of an employee, his/her legal successor may apply for withdrawal of the employee's MPF.

To sum up, employees should plan their financial situation and future needs in advance before withdrawing MPF. Taking into account factors such as retirement life and medical expenses, make a reasonable financial plan. After quitting the MPF, employees may consider investing part of their funds to increase their wealth management income. However, investment needs to be cautious, and decisions should be made according to personal risk tolerance and investment knowledge.

Legal basis:

Regulations on the administration of housing provident fund

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The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.