The process of extracting all the provident fund in Xiamen is as follows:

1. The unit verifies the relevant extraction certification materials and photocopies provided by individual employees, and the qualified manager of the unit fills in the Application Form for Extraction of Housing Provident Fund and the Inventory of Extraction of Housing Provident Fund uniformly printed by the Housing Provident Fund Management Center, and applies to the account opening management department with the originals and photocopies of relevant certification materials;

2. The personnel of the management department shall review the extracted materials, quota, times and personal account information. For those who meet the extraction conditions, go through the extraction procedures; For the audit does not allow extraction, inform the reasons for not allowing extraction; For special circumstances can not be answered in time, should consult the director of the management department and the relevant departments of the housing provident fund management center, and give a clear answer to the unit within three days;

3. For those who meet some extraction conditions, the personnel of the management department should input relevant information into the system according to the extraction materials, establish a Record Sheet for the Extraction of Housing Provident Fund for the first employee, and stamp the purchase invoice (or purchase receipt, down payment invoice, rent invoice, tax payment voucher, invoice for purchasing materials) with the words "Housing Provident Fund has been extracted";

4. The personnel of the management department enter the Housing Provident Fund Withdrawal List and confirm the personal savings account;

5. after the withdrawal is confirmed, the personnel of the management department will print an application form for withdrawal of housing provident fund and an inventory of withdrawal of housing provident fund in duplicate. if the withdrawal is cancelled, the individual housing provident fund account cancellation statement will also be printed.

Conditions for withdrawal of provident fund:

1. If you purchase a self-occupied house, provide the purchase contract, agreement or other certificates;

2. If the owner-occupied house is purchased, the approval documents or other supporting documents of the administrative departments of construction and land shall be provided;

3. In case of renovation or overhaul of owner-occupied housing, the approval documents or other supporting documents of the planning administrative department and other competent departments shall be provided;

4. If you retire, provide a retirement certificate;

5. In case of complete loss of labor ability and termination of labor relations with the unit, provide the appraisal certificate of complete loss of labor ability and the certificate of termination of labor relations;

6. If the employee has not been re-employed for five years after terminating the labor relationship with the unit, provide the certificate of non-employment;

7. if you leave the country to settle down, provide proof of leaving the country to settle down;

8. If the registered permanent residence moves out of the administrative region of this province, provide the migration certificate;

9. If the principal and interest of the house purchase loan are repaid, a house purchase loan contract shall be provided;

1. If paying the rent, provide proof of salary income and housing lease contract;

11. The migrant workers terminate the labor relationship with the unit, and provide the household registration certificate and the certificate of termination of the labor relationship;

12. Other circumstances stipulated by the Housing Provident Fund Management Center.

to sum up, if employees want to withdraw the housing provident fund, they must first apply to their own unit, and the unit will review the relevant certificates submitted by individuals. If they meet the conditions for withdrawal, the unit will fill in the approval form for individual withdrawal of housing provident fund and affix the reserved seal.

Legal basis:

Article 24 of the Regulations on the Administration of Housing Provident Fund

Employees may withdraw the balance of their housing provident fund accounts under any of the following circumstances:

(1) purchasing, constructing, renovating or overhauling their own houses;

(2) retired;

(3) completely losing the ability to work and terminating the labor relationship with the unit;

(4) leaving the country to settle down;

(5) repaying the principal and interest of the house purchase loan;

(6) 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 legatee can 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 will be included in the value-added income of the housing provident fund.