After paying the housing provident fund for one year, you can take out one item: no households pay rent; Terminate or terminate the labor relationship with the unit, the account has been sealed for more than 6 months or the withdrawal of housing provident fund has been suspended for more than 24 months and the account has been sealed; Retired; Enjoy the minimum living guarantee; Purchase, construction, renovation, overhaul of owner-occupied housing or repayment of principal and interest of owner-occupied housing mortgage loan.

legal ground

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.