I. Purchase:

1. If you don't have a loan to buy a house, you can withdraw the provident fund at one time;

2. Commercial loans can draw provident fund for down payment;

3, commercial loans to buy a house can be withdrawn from the provident fund to repay the principal and interest;

4, provident fund (portfolio) loans to buy a house can be withdrawn from the provident fund to repay the principal and interest.

Second, the construction, renovation and overhaul of housing, in rural collective land construction, renovation and overhaul of their own housing and the use of housing loans, employees and their spouses can apply for the withdrawal of housing approval to build the month (including the month) before the amount of provident fund, and the total withdrawal does not exceed the cost of housing construction;

Third, renting a house:

1, use the provident fund to pay the rent of economic rental housing with rent or government rent subsidy;

2. Use the provident fund to pay the market rent.

Fourth, parents buy houses for their children:

1. If you buy a house yourself and don't use the housing loan, you can withdraw your parents' provident fund;

2. Use a personal housing loan from a commercial bank to purchase your own house, and you can withdraw your parents' provident fund after paying the down payment;

3. Buy your own house with a personal housing provident fund (portfolio) loan, and you can withdraw your parents' provident fund after paying the down payment.

V. Withdraw all the balance from the account:

1, divorce or retirement;

2. agricultural registered permanent residence employees are over 60 years old and women are over 55 years old;

3. Settle in foreign countries, Hong Kong, Macao and Taiwan;

4, completely lost the ability to work, most of the loss of ability to work or severe disability and terminate or terminate the labor relationship with the unit;

5. Persons receiving unemployment insurance benefits;

6, was sentenced to punishment, account out of the city, non city registered permanent residence workers and units to terminate or terminate the labor relationship;

7. The housing provident fund account has been transferred to the centralized storage account for 2 years or the labor relationship with the original unit has been terminated for 2 years;

8. If you work outside the administrative area of the city where you live, and build and deposit the housing provident fund locally, you can cancel your account and withdraw all the balance of the provident fund.

Six, into the minimum living guarantee or poor relief scope of extraction and use, workers are included in the minimum living guarantee or poor relief scope of urban residents, workers and their spouses can apply for extraction of housing provident fund, the amount of extraction does not exceed the amount of housing provident fund before being included in the minimum living guarantee or poor relief scope;

Seven, treatment of major diseases, family members (including employees themselves, spouses and minor children) suffering from major diseases or major surgery hospitalization, employees themselves and their spouses can apply for withdrawal of housing provident fund, the date of application should be within 1 year from the date of discharge, and the total amount of withdrawal should not exceed the personal burden of hospitalization expenses.

legal ground

Article 5 of the Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.