Provident fund can be withdrawn without buying a house, but it must meet the relevant requirements and conditions, and the payment period needs more than one year to apply for withdrawal. For those who retire, transfer their jobs, move out of the city or settle abroad, they need to issue relevant credentials before applying for withdrawal of provident fund.

First, the conditions for the withdrawal of housing provident fund:

1. Employees or their immediate family members (spouse, children, parents) who purchase self-occupied houses shall pay off the purchase price within one year after signing the purchase contract or handling the house ownership certificate.

2 employees or their spouses repay the principal and interest of the house purchase loan within the loan term and repayment amount.

3, workers or their spouses to build, renovate, overhaul the owner-occupied housing with property rights, within one year after the completion of the housing.

Second, the provident fund withdrawal process:

1. Individuals apply to the unit, fill in the Application Form for Withdrawal of Employee Housing Provident Fund and submit the corresponding proof materials for withdrawal under various circumstances;

2. Notify the provident fund center after the unit is approved. When the employee cancels the account, the unit still needs to seal the provident fund of the relevant personnel at the handling bank.

3. The Provident Fund Center approves the employee's provident fund withdrawal application.

4, provident fund center transferred to the unit, from the unit to the employee bank account.

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 their housing provident fund accounts:

(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.