there is no such thing as void.

Only when the employee retires, retires or completely loses the ability to work, and terminates the labor relationship with the unit, or withdraws the employee housing provident fund when leaving the country to settle down, the employee housing provident fund account shall be cancelled at the same time. It won't expire. That's your life number. Don't worry, the provident fund joint card is a card that combines the bank savings account and the housing provident fund personal account. It has two accounts, each with its own independent password. The CPF account in the CPF joint card does not need to be activated. But the bank account needs to be activated and set the withdrawal password. In order to ensure the safety of your funds and cards, and prevent the risk of being activated and stolen by criminals, the co-branded provident fund cards handled by the company in batches need to be activated at the counter of China Merchants Bank by the cardholder with a one-card and valid identity documents, which can be accepted at any counter. Tips: Online banking cannot activate the card.

Inactivation has no effect on the receipt of provident fund. Provident fund is a public housing accumulation fund which is stipulated by the state and paid by employees (units) in proportion to their wages. It is compulsory, welfare, security and mutual assistance. The paid provident fund belongs to individual employees, and no one else has the right to use it.

The main purposes of the provident fund are: to purchase, build, rebuild and overhaul self-occupied houses, repay the principal and interest of home purchase loans, and subsidize the rent that exceeds the family wage income.

In actual use:

Extended information 1. When you need to buy a house and need a loan, you can apply for a loan (up to 3, yuan or 2, yuan) according to the number n times of the balance in the provident fund account, as long as you have paid the provident fund normally for one year (half a year in some places), and the loan interest rate is about 3% lower than that of commercial mortgage.

2. When you build, renovate or overhaul your own house, you can apply to the provident fund management center for withdrawal of the provident fund based on relevant supporting documents and materials.

3. When you purchase a house loan (including a commercial mortgage house loan), during the repayment period, you can use the relevant information to withdraw the provident fund to repay the loan principal and interest.

4. If your house is leased, you can apply for drawing provident fund to subsidize the rent when the monthly rent exceeds the family salary and affects the normal expenditure.

the withdrawal and use of the provident fund must be related to housing, otherwise it cannot be withdrawn (you can't withdraw it in full until you retire and settle abroad).