Lanzhou housing provident fund withdrawal process is as follows:

1. Prepare materials according to regulations

To withdraw the provident fund, customers need to prepare corresponding materials according to the requirements of the provident fund center, such as the purchase contract, rental contract or unemployment certificate, etc. The specific customers should follow the notice of the local provident fund center, and there should be no omissions or mistakes;

2. Apply to the provident fund center

Customers can apply to the nearest provident fund management center. At this time, the materials will be submitted to the provident fund center for review. If there are problems with the materials, the counter staff will inform the customers to correct or supplement them on the spot. If they do not meet the conditions for withdrawal of the provident fund, they will inform the applicants of the reasons for not withdrawing them and return the application materials.

3. The applicant signs for confirmation

If there is no problem with the information submitted by the customer, the customer will be asked to sign for confirmation after the approval of the provident fund center window, and the corresponding information will be scanned and archived;

4. After the Provident Fund Center arranges the customer's application materials for the next payment to be stored in the computer, the Provident Fund Center will arrange the funds to the bank account provided by the customer. Generally, it takes about one week for the Provident Fund Center to review the materials and arrange the funds to arrive, so the customer should wait patiently for the notice from the Provident Fund Center.

Provident funds can be used in the following aspects:

1. Used for buying houses. If you want to borrow money to buy a house, you can apply for a provident fund loan. The interest rate of provident fund loans is low, which can save a lot of loan interest for loan users. If you don't apply for a loan, you can withdraw the provident fund at one time to pay the down payment of the house; Users who have applied for commercial loans to purchase houses can withdraw the provident fund on a monthly basis to repay the loan principal and interest;

2. For building houses, renovating or overhauling houses, when the payer of the provident fund needs to build his own house, or renovate or overhaul his own house, he can apply for a one-time withdrawal of the housing provident fund, because he pays for building houses, renovating or overhauling houses;

3. For renting a house. Some urban provident funds can also be used for renting houses. If the monthly rental expenditure exceeds a certain proportion of the family income of the provident fund payer, then the provident fund can be withdrawn on a monthly basis to pay the housing rent;

4. It is used to treat major diseases. If the family members of the provident fund payer are unfortunately suffering from serious diseases, they can apply for withdrawing the provident fund to pay for medical expenses and reduce the family burden;

5. If the payer of the provident fund retires, retires or goes abroad to settle down, he can apply for one-time withdrawal of the provident fund. For retirees, the one-time withdrawal of provident fund is a considerable pension.

to sum up, in the process of withdrawing provident fund, you need to prepare relevant materials first, then apply to your own unit, and provide relevant information according to the purpose used, which will be submitted to the local provident fund department after pre-examination. The amount of withdrawal and the number of withdrawals will be approved by the provident fund unit, and will be distributed to the individual account after verification.

Legal basis:

Article 24 of the Regulations on the Administration of Housing Provident Fund

Employees may 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.