Go to the government affairs center to get the housing provident

Publish: 2021-04-17 06:47:50

1. It is suggested to go to work on weekdays< The provident fund management center is a national functional department
the general working hours are 9:00-12:00 a.m. and 13:00-17:00 p.m. from Monday to Friday
rest on Saturdays and weekends, and rest on national legal holidays. The local working hours shall prevail, and may be slightly adjusted
functions of the office of provident fund management center: mainly responsible for the preparation, review and printing of documents; Organize the formulation of work system and management regulations; Preparation, organization and service of business and administrative meetings; All kinds of administrative work; Keep the files of fund-raising, loan Commission, finance and transfer from each office.

The office hours of housing provident fund service departments vary from place to place. Take Hangzhou as an example:

1. Office windows in the main urban area of Hangzhou:

1. Service hours of citizen's home: 9:00-12:00 a.m., 13:30-17:00 p.m. (daylight saving time: 9:00-12:00 a.m., 14:00-17:00 p.m.). Only withdrawal business will be handled on weekends and legal holidays will be notified separately

2. Service hours of Xiasha outlets: Monday to Sunday, 9:00-12:00 a.m., 13:30-17:00 p.m. (daylight saving time: 9:00-12:00 a.m., 14:00-17:00 p.m.). Only withdrawal business will be handled on weekends and legal holidays will be notified separately

2. Xiaoshan sub center service window:

1. Service hours of Xiaoshan District Public Service Center: 8:30-11:45, 13:00-16:45 (daylight saving time: 8:30-11:45, 13:30-17:15) from Monday to Sunday (legal holidays to be notified separately), and only withdrawal business is handled on weekends

2. Service hours of Guali sub center of Xiaoshan District Service Center: 8:30-11:45, 13:00-16:15 (daylight saving time: 8:30-11:45, 13:30-16:45) from Monday to Friday (legal holidays to be notified separately)

Service hours of Yuhang Linping branch: 08:30-12:00, 13:00-16:30 from Monday to Sunday, 08:30-12:00, 13:30-17:00 on summer time, and legal holidays will be notified separately

2. Service hours of Yuhang bottle kiln: 08:30-12:00, 13:00-16:30 from Monday to Sunday, 08:30-12:00, 13:30-17:00 on summer time, and legal holidays will be notified separately

extended data

withdrawal method

< 1. If an employee withdraws the housing provident fund by his / her own bank card transfer, select "bank card transfer" in the "withdrawal method" column, and fill in the account name as his / her bank and card number. If the conditions are met after verification, Hangzhou housing provident fund management center will directly pay the housing provident fund extracted by the employees to the designated bank card. At present, the transfer mode of bank card is only limited to the card with UnionPay logo that can be used normally (except for foreign banks)

(2) if the employee withdraws the housing accumulation fund to pay the down payment for house purchase and needs to transfer the fund to the selling unit, select "other transfer" in the "withdrawal method" column, and fill in the name of the payee (which must be consistent with the selling unit in the house purchase contract), the name of the deposit bank and the account number. If it meets the withdrawal conditions after verification, Hangzhou housing provident fund management center will transfer the housing provident fund withdrawn by the employees to the payee

1、 If an employee has one of the following circumstances, he or she can apply for drawing the housing provident fund of his or her spouse:

(2) repayment of principal and interest of self occupied housing loan

(3) employees without housing in this city rent their own houses

4. Adding elevators to the existing houses with ownership within the administrative area of the city

The family life is difficult e to sudden major natural disasters

(2) employees who have one of the following situations can apply for drawing their own housing provident fund:

(2) totally losing the ability to work and terminating the labor relationship with the unit

(3) those who have settled abroad

5. the workers and units who have not registered residence in the city shall terminate or terminate their labor relations, do not continue to pay their deposits in other places, and keep their accounts in custody for half a year. p> (3) if the employee dies or is declared dead, the legal successor or bequeath of the employee shall apply to withdraw the balance of the employee's personal housing provident fund account

Other situations stipulated by the state, province and city

extended data

"Regulations on the administration of housing provident fund" stipulates that:

Article 25 If an employee withdraws the balance stored in the housing provident fund account, his unit shall verify it and issue the withdrawal certificate

employees should apply to the housing provident fund management center for withdrawing the housing provident fund with the withdrawal certificate. The management center of housing provident fund shall make a decision on whether to withdraw or not within 3 days from the date of accepting the application, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment proceres

1、 According to Article 24 of the regulations on the administration of housing provident fund, employees can withdraw the balance of their housing provident fund account under one of the following circumstances:

1. They purchase, construct, rebuild or overhaul their own houses

3. Rent exceeds a certain proportion of the family's wage income when renting self occupied housing

8, completely or partially losing the ability to work, and terminating the labor relationship with the unit

9. Other situations stipulated by the management committee according to relevant laws and regulations

Summary: Article 25 of the Regulations stipulates that if an employee withdraws the balance in the housing provident fund account, his unit shall verify it and issue the withdrawal certificate. Employees shall apply to the management center of housing accumulation fund for drawing housing accumulation fund with drawing certificate

the management center of housing provident fund shall make a decision on whether to approve or not to withdraw within 3 days from the date of accepting the application, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment proceres

extended information:

processing points

1. For the purchase of new commercial housing, the house ownership certificate or the house purchase contract and payment voucher filed by the real estate administrative department shall be provided

2. For purchasing second-hand houses, the purchase agreement or house ownership certificate and deed tax payment certificate filed by the real estate administrative department shall be provided

3. For those who build or rebuild houses, the approval documents and payment voucher of the planning department shall be provided

(4) for overhauling self occupied housing, provide the housing safety appraisal certificate, housing ownership certificate, project budget and final accounts and payment certificate issued by qualified institutions

5. For repayment of the principal and interest of housing loan, the house purchase contract, loan contract and repayment certificate issued by the bank filed by the real estate administrative department shall be provided

6. For renting self occupied housing, provide the housing lease contract, rent invoice and family income certificate registered by the housing management department

7. For those who retire or retire, provide their own retirement or retirement certificates or relevant certificates issued by the labor and personnel department

8, who have settled down from abroad, provide proof of registered residence cancellation or exit settlement; p> In case of death or declaration of death, the legal successor or donee shall provide the certificate of the depositor's death or declaration of death, the identity card of the successor or donee, the certificate of the right of inheritance or bequest, and the notarial certificate

For those who enjoy the minimum living security, the minimum living security certificate issued by the civil affairs department shall be provided

For those who completely or partially lose their labor ability and terminate the labor relationship with the company, the labor ability appraisal certificate issued by the human resources and social security department, the labor contract termination certificate or unemployment certificate issued by the company shall be provided

12. Other situations and materials provided by the municipal housing provident fund management center according to relevant laws and regulations

the so-called housing provident fund withdrawal audit refers to the way that the local provident fund management centers (sub centers and management departments) or the bank outlets entrusted by the centers check the authenticity of the withdrawal qualification and withdrawal behavior of the withdrawal applicants according to the relevant policies, regulations and operation specifications of housing provident fund, The purpose is to ensure the security of housing fund and the special purpose of housing fund

The relevant departments handling the withdrawal of provident fund shall handle the withdrawal proceres of provident fund

according to Article 25 of the regulations on the administration of housing provident fund, if an employee withdraws the balance in the housing provident fund account, his unit shall verify it and issue a withdrawal certificate

extended data:

1. The management center of housing provident fund performs the following ties:

2. Responsible for recording the deposit, withdrawal and use of employees' housing provident fund

Responsible for the accounting of housing provident fund

To examine and approve the withdrawal and use of housing provident fund

Responsible for the maintenance and return of housing provident fund

To compile the report on the implementation of housing accumulation fund collection and use plan

To undertake other matters decided by the housing provident fund management committee

(2) in case of any of the following circumstances, employees can withdraw the balance in their housing provident fund account:

(2) retired or retired

3. Totally losing the ability to work and terminating the labor relationship with the unit

(4) emigration and settlement

6. The rent exceeds the prescribed proportion of family wage income

according to item 2.3.4, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be cancelled at the same time

if the employee dies or is declared dead, the heirs and bequests of the employee can withdraw the balance in the employee's housing provident fund account; If there is no heir or bequeath, the balance in the employee's housing provident fund account shall be included in the value-added income of the housing provident fund

reference materials: Yueyang provident fund management center - regulations on housing provident fund management

According to the provisions of Article 24 of the regulations on the administration of housing provident fund, if an employee has one of the following circumstances, he can withdraw the deposit balance in the employee's housing provident fund account:

If an employee has one of the following circumstances, he can withdraw the deposit balance in the employee's housing provident fund account:

(1) purchase, construction, reconstruction Overhaul of self occupied housing

(2) retired or retired

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

(4) to settle down abroad

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

(6) the rent exceeds the prescribed proportion of the family's wage income

in accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, if the employee's housing provident fund is withdrawn, the employee's housing provident fund account shall be cancelled at the same time

extended data:

under the following circumstances, we can withdraw the housing provident fund at any time:

1. Those who don't buy houses with loans can withdraw the housing provident fund directly at one time, and commercial housing can be used by suitable housing and resettlement housing

according to relevant regulations, if it is not a loan to purchase commercial housing with property rights, affordable housing, resettlement housing and other self occupied housing, the employee and his or her spouse can withdraw the balance of housing provident fund at one time, and the amount withdrawn shall not exceed the purchase price. At the same time, the withdrawal amount can only be up to 100

2. When the down payment amount of the first set is not less than 20%, the down payment of the second set must be 60%, and the interest rate will rise by 10%. Many of its provident fund users buy their own houses through loans. In accordance with the relevant provisions, those who purchase their own houses through loans shall repay the principal and interest of the loans

the employees themselves and their spouses can draw the provident fund. If it is the purchase of the first home, the down payment ratio shall not be less than 20%, and the loan interest rate shall be 4.5%; If you buy a second house, the down payment ratio is not less than 60% of the total purchase price, and the interest rate rises by 10% to 4.95%

3. If the self occupied housing is included in the shed reform, the accumulation fund can be withdrawn

we have now increased the support policy for the workers in the shed reform. According to the regulations, if the self occupied housing is included in the government shed reform and demolition project, the employee himself and his spouse or the parents and children of the same household registration can withdraw the provident fund and use it

If the rent exceeds 25% of the family income, the provident fund can be withdrawn

according to the staff of the provincial branch of housing provident fund management, according to the regulations, the withdrawal of provident fund for rental housing should meet the corresponding conditions. Firstly, the rental housing must be the city's housing. Secondly, the rent expenditure should exceed 25% of the family income, and the Provincial employees themselves and their spouses can withdraw the provident fund

There are also decoration, housing overhaul, can draw provident fund

when we "house decoration, can we use housing provident fund?" Housing provident fund management provincial staff said, for this situation, in fact, many workers are misunderstood, that decoration of new houses can draw provident fund

7. No, as long as the extraction conditions are met< According to relevant regulations, the following conditions should be met:
(1) the unit where the employee belongs and the employee himself / herself should deposit the housing provident fund in full every month
(2) in line with the provisions of Article 24 of the regulations on the administration of housing Provident Fund:
1. Purchase, construction, renovation and overhaul of self occupied housing; Among them, "purchase" means that employees buy houses and own the ownership of the houses they buy. Houses can be public housing, commercial housing, affordable housing and second-hand housing“ "Construction" refers to the construction of houses by urban residents with the approval of the real estate administration, urban planning administration and other departments“ "Redevelopment" refers to the demolition, design and reconstruction of houses“ Overhaul "refers to the need to move or replace part of the main components of the housing, but not all of the housing
2. Employees are retired or retired
3. Employees have completely lost the ability to work and terminate the labor relationship with the unit
4. Employees who settle abroad
5. Employees who repay the principal and interest of house purchase loan
6. Rent exceeds the specified proportion of family wage income
7 If an employee dies or is declared dead,

the general proceres for withdrawing the housing provident fund are as follows:
(1) first, apply to the unit. After the unit reviews the relevant certificates submitted by the indivial, if it meets the withdrawal conditions, the unit shall fill in the approval form for withdrawing the housing provident fund and affix the reserved seal
(2) the handling personnel or indivial employees of the unit shall, together with the original and of relevant supporting materials, submit the approval form for indivial withdrawal of the provident fund to the provident fund center (hereinafter referred to as the provident fund center for opening an account) which establishes the housing provident fund account for the unit for approval. After the provident fund center completes the approval and entry business, the special seal for approval of provident fund shall be stamped on the approval form for indivial withdrawal of provident fund filled in by the unit
(3) the handling personnel or indivial employees of the unit shall handle the transfer business at the provident fund center where the account is opened by holding the approval form for indivial withdrawal of provident fund approved by the provident fund center and the "transfer voucher of housing provident fund management center" filled in and signed by the unit, and the provident fund center shall transfer the housing provident fund applied by the employees to the basic settlement account of the unit, The unit shall withdraw and pay to the employees.

8. In line with the conditions of drawing provident fund, it can be drawn in full< The business process of withdrawing housing provident fund is as follows:
1. The employee shall submit an application for withdrawing housing provident fund to his unit with the withdrawal certificate, and the unit shall issue the withdrawal application in plicate after verification. The employees of the centralized storage account shall apply to the sub center or the management department for issuing the application for withdrawal
2. With the application form for withdrawal and other withdrawal application materials, employees apply for withdrawal of housing provident fund at the sub center or the management department where the housing provident fund is deposited. The sub center or the management department issues the withdrawal notice, and the employees sign to confirm the withdrawal amount
3. On the same day, the employee shall go to CCB to handle the payment proceres with two copies of withdrawal application and three copies of withdrawal notice approved and confirmed by the sub center or management department
4. The employee will return one of the withdrawal notice after the payment confirmation of CCB to the unit as the unit bookkeeping voucher
extraction conditions
housing consumption extraction includes one-time extraction and monthly extraction
1. One time withdrawal: including purchase of commercial housing, price limited commercial housing, targeted sales (resettlement) of affordable housing, private housing, public housing and other self owned housing; Build, rebuild and overhaul self owned housing on rural collective land
2. Monthly withdrawal: including repaying the principal and interest of housing loan; To pay the rent of the economic rental housing with allocation or * * rent subsidy
extraction of non housing consumption includes withdrawal of account cancellation and monthly withdrawal
1. Withdrawal of account cancellation: including retirement and retirement; The registered residence workers are 60 years old and 55 years old. To settle in foreign countries, Hong Kong, Macao and Taiwan; Totally lose the ability to work, mostly lose the ability to work or have severe disability (grade one or two disability) and terminate or terminate the labor relationship with the unit; Receiving unemployment insurance benefits; The employees who are sentenced to criminal punishment, whose registered permanent residence is moved out of the city, or whose registered permanent residence is not in the city leave the city, and dissolve or terminate the labor relationship with their units; The housing accumulation fund account has been transferred to the centralized sealed account for at least two years or terminated the labor relationship with the original unit for at least two years; To work outside the administrative area of the city and establish and deposit housing accumulation fund locally; The employee dies or is declared dead. Compared with the original extraction policy, the registered residence of the agricultural household workers who had reached the age of 60 years old, the age of 55 full of women and the work outside the administrative area of the city and the two reasons for the establishment and payment of housing provident fund were increased.
2. Monthly withdrawal: including those included in the minimum living security or special poverty relief of urban residents in the city; Family members suffering from major diseases (including myocardial infarction, uremia, leukemia, liver cirrhosis, aplastic anemia, rheumatic heart disease, cerebral vascular malformation, cerebrovascular accident, necrotic intestinal obstruction, liver atrophy, severe compound trauma, severe electric injury, various cancerous lesions) are hospitalized. Compared with the original withdrawal policy, the reasons for being included in the scope of special poverty relief are increased.

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Go to the government affairs center to get the housing provident

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