It can be taken out completely, but it must meet certain conditions. According to Article 24 of the Regulations on the Management of Housing Provident Fund, employees can withdraw the storage balance in their housing provident fund accounts under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (four) the city or county where the household registration has moved out or settled abroad; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income.

? The housing provident fund management center shall set up a housing provident fund account in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

? You can only withdraw provident fund once a year. Workers who withdraw housing provident fund for the purchase, construction, renovation and overhaul of self-occupied housing shall withdraw housing provident fund within 1 year after the signing of the purchase contract and agreement.