1, used to buy a house. If you want to borrow money to buy a house, you can apply for a provident fund loan. The low interest rate of provident fund loans 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 for the house; Users who have applied for commercial loans to purchase houses can withdraw the provident fund to repay the loan principal and interest on a monthly basis;

2, due to the construction, renovation or overhaul of housing, provident fund depositors have to build their own housing, or renovation, overhaul of their own housing needs, you can apply for a one-time withdrawal of housing provident fund, due to pay housing construction, renovation, overhaul housing costs;

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a certain proportion of the family income of the depositor of the provident fund, then the provident fund can be withdrawn monthly to pay the housing rent;

4, 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 medical expenses and reduce the family burden;

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

The materials required for the provident fund are as follows:

1, you don't need a marriage certificate and a copy if you are unmarried;

2, ID card information, married people need to show their ID cards and copies, which is essential. It is not only married people who need to pay attention here, but also unmarried people need to show their ID cards and copies.

3. Need to show the real estate license and a copy. This is mainly aimed at people who have houses. If they don't have a house, they need to show a rental contract.

4. Certificate of resignation and retirement. For retired and resigned personnel, such people need to show the retirement certificate issued by the company to the relevant departments in order to withdraw the provident fund;

5. There are relevant subsistence allowances, which are low-income groups and have difficulties in life, but they need to show a copy of their ID cards and household registration books;

6. The application for withdrawal of housing provident fund needs to be collected at the provident fund management center.

To sum up, one of the conditions for withdrawing housing provident fund is that if you rent an apartment, the rent exceeds the prescribed proportion of your family income. I believe that many friends in daily life will have this idea. The third condition for withdrawing the housing accumulation fund is to completely lose the ability to work and terminate the labor relationship with the employer. The extraction conditions and the revised amount of housing provident fund are also within the limited scope, which gives greater support and guarantee to the masses.

Legal basis:

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

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) 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 legatees may 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 shall be included in the value-added income of the housing provident fund.