The housing provident fund cannot only be used locally, and can be handled in other places according to your own needs.

According to national regulations: Employees who make deposits at the place of employment (place of deposit) and purchase a self-occupied house in the place of household registration (place of loan) can apply for provident fund for individuals or rent a house at the Provident Fund Management Center of the place of loan with the provident fund payment certificate of the place of deposit.

loan.

Local Provident Fund.

Provident fund loan conditions: 1. Employees with permanent residence or valid residence identity certificate in the local administrative area; 2. The housing provident fund has been paid and deposited normally for more than one year at the time of application, and the provident fund has not been withdrawn to pay for the down payment of the house, and there is no

Provident fund loan balance; 3. Have a contract or agreement to purchase a house, and the down payment amount is not less than 30% of the value of the house purchased; 4. Have a relatively stable career and economic income, have the corresponding loan repayment ability, and personal credit

Good; 5. There are assets recognized by the Provident Fund Center as mortgage or pledge, or a unit with sufficient solvency as a guarantor; 6. Other conditions stipulated by the Provident Fund Center.

Under any of the following circumstances, the balance in the employee housing provident fund account can be withdrawn: (1) Purchasing, constructing, renovating, or overhauling self-occupied housing; (2) Retiring or retiring; (3) Completely losing the ability to work, and

Terminating the labor relationship with the employer; (4) leaving the country to settle down; (5) repaying the principal and interest of the house purchase loan; (6) rent exceeding the prescribed proportion of family wage income.

Legal Basis Article 12 of the "Housing Provident Fund Management Regulations" The Housing Provident Fund Management Committee shall, in accordance with the relevant regulations of the People's Bank of China, designate a commercial bank entrusted to handle the housing provident fund financial business (hereinafter referred to as the entrusted bank); the Housing Provident Fund Management Center shall entrust

The entrusted bank handles financial services such as housing provident fund loans and settlements, as well as procedures for the establishment, deposit, and return of housing provident fund accounts.

The housing provident fund management center shall sign an entrustment contract with the entrusted bank.

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 within 3 days from the date of accepting the application to approve or disallow the withdrawal, and notify the applicant. If the withdrawal is approved, the entrusted bank shall handle the payment procedures.