Legal analysis: If there is no self-owned house after examination by the Provident Fund Center, the housing provident fund will be withdrawn once a year after paying the rent for the self-occupied house, and the withdrawal amount shall not exceed one year's rent. Housing provident fund is a special fund, which is mainly used for housing expenses. As for how much you can withdraw from the provident fund, you can withdraw it once a year after you buy a house with a one-time payment, once a year after you buy a house with a loan during the repayment period, and you can also withdraw it if you go abroad to settle down or retire.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund, employees can withdraw the balance of their housing provident fund accounts under any of the following circumstances:

(1) purchasing, constructing, renovating or overhauling their own houses;

(2) retired;

(3) completely losing the ability to work and terminating the labor relationship with the unit;

(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, the employee housing provident fund account shall be cancelled at the same time.

if an employee dies or is declared dead, the employee's heirs and legatee can withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.