Second, withdraw housing loans. If you have a mortgage that is being repaid, whether it is a commercial loan, a provident fund loan or a combination of commercial loans and provident fund loans, you can withdraw the provident fund to repay the loan once a year according to regulations. This premise is that we have no obligation to repay the provident fund. For example, my friend Zhou Xiao pays a monthly provident fund of 1000 yuan. Every year 1 month, basically before the Spring Festival, Zhou Xiao will go to the provident fund center to apply for withdrawing his previous year's provident fund to repay the mortgage.
Third, rent a house to withdraw the provident fund. At present, many cities have such policies. We can withdraw the provident fund from the account through the rental contract, but the amount of the provident fund can't exceed our rent for one year. If you want to withdraw all your provident fund, it is not feasible to withdraw it by renting a house at present.
Four, the extraction of housing decoration, the use of housing decoration or renovation of old houses, you can also withdraw the provident fund. Generally, it is necessary to provide the house decoration entrustment contract with the decoration company, as well as other necessary materials, such as the provident fund withdrawal form, and the staff of the provident fund management center will also tell us the required documents.
Fifth, it is generally difficult to satisfy the court's decision to withdraw the provident fund. For example, if you owe someone money and never pay it back, someone else can directly transfer the money in your provident fund account to someone else's provident fund account through a court decision. In this way, you can withdraw the provident fund in disguise. Although this method is a theoretical method, the implementation procedure is quite complicated.
In addition, we can also withdraw the provident fund by means of account cancellation, resignation, retirement, going abroad to settle down, household registration transfer, etc., so these methods basically cover the situation that we need to withdraw the provident fund in our lives. If you need to withdraw your own housing provident fund, first consult the local provident fund management department to see how to withdraw your own provident fund.