It can be withdrawn, but the provident fund cannot be withdrawn at will.

Employees’ housing provident fund payments are borne jointly by the unit and the individual employee. The fees paid by the unit and individuals are deposited into the employee’s personal housing provident fund account and are owned by the depositor. Therefore, we can apply for personal housing to be paid.

The balance of the provident fund account can be withdrawn. However, there are conditions for withdrawing the housing provident fund. It is not something that everyone can withdraw at will. Generally, the housing provident fund can be withdrawn under the following circumstances: 1. The provident fund depositor has purchased a house, built a house, or overhauled a house.

Those who have housing needs; 2. The depositor rents a house, and the monthly rent exceeds a certain percentage of the family income; 3. If the provident fund depositor has a commercial housing loan that is being repaid, the housing provident fund can be withdrawn to repay the commercial loan

Principal and interest; 4. Provident fund depositors who are sick and hospitalized can apply to withdraw housing provident funds to pay for their own expenses after medical reimbursement.

5. If a provident fund contributor retires, retires, settles abroad, or dies, he or she may apply to cancel the housing provident fund account and withdraw all the balance of the personal housing provident fund account.

Provident fund is: Provident fund is housing provident fund, which refers to state agencies and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social groups and their employees.

Long-term housing savings with matching contributions.

It has the characteristics of security, mutual assistance and long-term, and is mainly used for employees to purchase, build, renovate, overhaul and decorate their own homes or pay rent.

To sum up, the provident fund can be withdrawn.

Those who have no house to pay rent, have terminated or terminated the labor relationship with the unit, whose account has been sealed for more than 6 months, or whose housing provident fund payment has been suspended for more than 24 months and whose account has been sealed, those who are retired and enjoy the minimum living security, purchase, build,

Those who renovate or overhaul their own homes, or repay the principal and interest of their mortgage loans, or those who move abroad to settle down, can all withdraw the money.

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 housing provident fund account: (1) Purchasing, constructing, renovating, or overhauling self-occupied housing; (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 down; (5) Repaying the principal and interest of a house purchase loan; (6) The rent exceeding the prescribed proportion of family wage income

.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.

If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.

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.