1, apply. Workers with the extraction of proof materials, to the unit to extract the housing provident fund application. The unit shall verify and issue the "Application Form for Housing Provident Fund Extraction" stamped with the official seal to the employees who meet the extraction conditions.

2. Wait for notice. Workers hold the "Application Form for Housing Provident Fund Extraction", their housing provident fund cards and relevant supporting materials, and go to the relevant branches of the center for extraction and approval. Make a decision on approval or disapproval of withdrawal within three working days from the date of accepting the application.

3. Complete the extraction procedure. After the approval, bring relevant materials to the corresponding bank for withdrawal procedures.

The establishment of employee housing provident fund system provides a guarantee for employees to solve housing problems quickly and well. The establishment of housing provident fund system can effectively establish and form a mechanism and channel for employees with housing to help employees without housing. Housing provident fund provides financial assistance to employees without housing, which reflects the mutual assistance of employee housing provident fund. Every urban employee must pay the individual housing provident fund from the date of joining the work to the time of retirement or termination of labor relations. The employee's unit should also pay the housing provident fund for employee subsidies as required.

How can I take out the housing provident fund?

Employees who meet one of the following circumstances and can provide legal and valid certificates in accordance with the regulations may apply for withdrawing the balance stored in the personal housing provident fund account;

1, purchase, build, renovate and overhaul owner-occupied housing;

2, reached the national legal retirement age, or has officially gone through retirement procedures;

3, completely lose the ability to work, and terminate the labor relationship with the unit;

4. Go abroad to settle down;

5, to repay the principal and interest of the purchase of owner-occupied housing loans;

6. Pay the rent for self-occupied housing that exceeds 15% of the family's monthly income;

7, are enjoying the minimum living allowance for urban residents;

8. I, my spouse and their immediate family members have serious difficulties in family life due to major diseases;

9. Encountering unexpected events, causing serious difficulties in family life;

10, unemployed for more than two years in a row, and the per capita monthly income of the family is lower than the low-wage income in this area, making family life seriously difficult;

1 1. If an employee dies at work, his successor or legatee gets it;

12. The employee is a non-local registered permanent residence in agricultural registered permanent residence, and his/her labor relationship is terminated with his/her employer.

To sum up, those who meet the requirements can take out the housing provident fund by applying to the unit and waiting for the notice.

Legal basis:

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

Workers in any of the following circumstances, you can extract the balance of storage 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.