The housing provident fund is paid by the company and cannot be paid by oneself. The relevant regulations are as follows: 1. The housing provident fund cannot be paid by oneself as an individual.

The unit handles the procedures for setting up a housing provident fund account for employees and pays the provident fund; 2. The housing provident fund is paid by the unit, and individuals are not allowed to pay it by themselves. To establish a household or pay the provident fund, you must have the official financial seal of the unit; 3.

As long as the employer does not pay the provident fund, the previous personal account of the provident fund will be blocked in the provident fund management center, and you can withdraw it when you reach retirement age, or transfer and continue to pay, and individuals will not be able to handle various provident fund services.

The housing provident fund withdrawal process is as follows: 1. Users must first go to the provident fund management center to sign an electronic contract; 2. Follow the local "housing provident fund" official account; 3. After following, enter the official account, and then click "I want to apply" and "I want to apply"

Just click "Withdraw" option; 4. Select the type of withdrawal and enter the account and SMS verification code as required. After logging in, you can see the amount that can be withdrawn.

What are the consequences of withdrawing provident funds?

1. The provident fund cannot be withdrawn again for the same reason within two years; 2. The provident fund cannot be used to purchase a house within 6 months to 1 year. To purchase a house with the provident fund, one needs to continuously pay the personal provident fund for 6 months; 3. Withdrawing the provident fund will affect the amount of the provident fund loan in the future;

4. If the other half has used a personal provident fund loan before, although the personal provident fund withdrawal does not occupy the limit of the personal provident fund loan, because the family has used a provident fund loan before, and this is also the second house purchased, it is a second house purchase loan.

The down payment must be at least 60%.

How to withdraw all provident funds?

1. If you want to withdraw all the provident fund from an individual, you must do so after the statutory retirement age. The money withdrawn after retirement includes principal and interest; 2. If you are an individual who has not reached retirement age and wants to withdraw the provident fund midway,

You need to meet certain requirements, such as buying a house or building a household; 3. If an individual leaves the original workplace, the housing provident fund paid by the individual during the employment period can be applied for withdrawal, but this also means that the housing provident fund paid by the employer

He returned to the public.

If an individual finds a new work unit, he can go through the provident fund transfer procedures. At this time, the full amount is transferred; 4. The provident fund loan repayment time can be changed.

Provident fund loans refer to loans enjoyed by group users who have paid housing provident funds. Users who only pay provident fund can apply for individual housing provident fund loans in accordance with the relevant provisions of provident fund loans; 5. The maximum provident fund loan limit shall not exceed 70% of the total purchase price.

To change the repayment time of a provident fund loan, the borrower must have been repaying the loan normally for more than one year, has good credit, and has not been overdue.

The provident fund loan period ranges from 1 to 30 years and shall not exceed the borrower's legal retirement age.

To sum up, when withdrawing provident funds, you need to have sufficient reasons. Generally speaking, you can apply to the provident fund when you renovate, renovate or build a self-occupied house, pay rent, repay the principal and interest of the mortgage, retire, or become unemployed and lose your source of income.

Provident Fund Center applies, as long as the conditions are met and there are no problems with the prepared documents, you will not encounter any problems when withdrawing the Provident Fund.

Legal basis: Article 24 of the "Housing Provident Fund Management Regulations" If an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account: (1) Purchasing, constructing, renovating, or overhauling a self-occupied house; (2)

) Retirement or retirement; (3) Completely losing the ability to work and terminating the labor relationship with the employer; (4) Leaving the country to settle; (5) Repaying the principal and interest of a house purchase loan; (6) The rent exceeding the prescribed proportion of family wage income

.

Article 25 If an employee withdraws the balance in the housing provident fund account, the employer shall verify it and issue a withdrawal certificate.

Employees should apply to the Housing Provident Fund Management Center to withdraw housing provident funds with the withdrawal certificate.

The Housing Provident Fund Management Center shall make a decision on whether to approve the withdrawal or not to allow the withdrawal within 3 days from the date of accepting the application, and notify the applicant; if the withdrawal is approved, the entrusted bank shall handle the payment procedures.