Go to the provident fund center to handle the withdrawal procedu

1. 1. The following materials need to be prepared
a purchase of self occupied housing: indivial application, unit certificate, purchase contract and invoice (see the original and keep a )
b retirement: indivial application, unit certificate, retirement approval (original and )
C in service death: identity certificate of the consignor, unit certificate of the consignor and death certificate (original and )
d self built and self occupied housing: indivial application, unit certificate, building approval proceres (original and of permit to build certificate)
e renovation and overhaul of self occupied housing: indivial application, unit certificate, original and of relevant approval proceres
F exit settlement: indivial application, unit certificate, exit settlement certificate
G repayment of principal and interest of house purchase loan: indivial application, unit certificate
2. How to use the provident fund
purchasing or building self occupied housing or rebuilding or overhauling self occupied housing; Retired or retired; Completely losing the ability to work and terminating the labor relationship with the unit to which he belongs; After terminating the labor relationship with the unit to which he belongs, he has not changed his job for five years; Going abroad or settling down abroad; If the registered permanent residence is moved out of the administrative region of the city or county, and the housing accumulation fund system is not established in the place where the registered permanent residence is moved in; Other housing consumption stipulated by the provincial people's government
If an employee dies or is declared dead, the heirs or bequests of the employee can withdraw the balance of the employee's housing provident fund account. If the funds needed for the purchase or construction of self occupied housing, or for the renovation or overhaul of self occupied housing are withdrawn from the employee's own housing provident fund account, and the balance is insufficient, the employee may withdraw the balance from the spouse, parents or children's housing provident fund account, subject to the written consent of the person to be withdrawn
If an employee withdraws the balance stored in the housing provident fund account, he / she should apply to the management core with the relevant certification materials issued by the unit and go to the management core for handling
the content of this article comes from: Complete Book of financial laws and regulations of the people's Republic of China: including relevant policies, China Law Press

2. Hello, 1. The original and of the house purchase contract or agreement, 2. The original and of the house purchase invoice, 3. The original and of the ID card of the employee who withdraws the provident fund, 4. The bank savings account number of the employee who withdraws the provident fund, and the provident fund of the employee's spouse. In addition to the information, the original and of the marital relationship certificate should also be provided A of the main buyer's provident fund withdrawal record.

3. The answers are as follows:
1. Under one of the following circumstances, employees can withdraw the balance in their housing provident fund account:
1. They purchase, build, rebuild or overhaul their own houses
2
3. Totally losing the ability to work and terminating the labor relationship with the unit
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5
6. The rent exceeds the prescribed proportion of the family's wage income
if you meet one of the above conditions, you should bring your ID card, the "provident fund withdrawal certificate" issued by your unit and relevant information or certificates to the provident fund management center or the lending bank (when there is housing provident fund loan) to handle the withdrawal proceres< Second, if you need to withdraw the provident fund to repay the loan, the following is for your reference:
1
2. There are generally two ways of withdrawal:
A. withdraw all the balance in the provident fund account to offset the loan principal (there should be a certain balance in the account, which is different in different regions). After the principal is offset, the loan principal decreases and the total interest also decreases. Monthly supply or service life will be recalculated: if the selected service life remains unchanged, the monthly supply will be reced after recalculation; If the monthly payment remains unchanged, the repayment period will be reced. At the end of the day, you can choose
B. after withdrawing the provident fund, it will be connected with your repayment card. For example, your monthly payment is 1500 yuan, and after withdrawing 15000 yuan, it will be connected with the repayment card. After that, you don't need to deposit money in the card for 10 months, and the provident fund will repay the loan
3. Withdrawal proceres: take the loan contract, ID card and the "withdrawal certificate of provident fund" issued by the unit. If the spouse's provident fund also needs to be withdrawn, bring the marriage certificate, ID card and the "withdrawal certificate of provident fund" issued by the spouse's unit to the loan bank or the local provident fund management center.

4.

The extraction process of housing provident fund is as follows:

1. Application:

the employee shall submit the application for extraction of housing provident fund to the unit with the evidence of extraction; The unit shall verify and issue the housing accumulation fund withdrawal application form with official seal to the employees who meet the withdrawal conditions

2. Waiting for notice:

the employee shall go to the relevant branch of the center for approval of withdrawal with the application form for withdrawal of housing provident fund, his own housing provident fund card and relevant supporting materials. The decision of approval or disapproval of the withdrawal shall be made within three working days from the date of acceptance of the application

3. Handle the withdrawal proceres:

pass the audit, and go to the corresponding bank to handle the withdrawal proceres with relevant materials

(1) the original and of the house purchase contract or agreement

(2) the original and of the purchase invoice

(3) the original and of the employee's ID card shall be extracted from the provident fund

(4) the provident fund withdraws the employee's Bank savings account number; In addition to the above information, the original and of the marital relationship certificate and the of the main buyer's provident fund withdrawal record shall be provided

(1) the original and of the house property certificate

(2) original and of deed tax payment certificate

(3) the original and of the employee's ID card shall be extracted from the provident fund

(4) the provident fund withdraws the employee's Bank savings account number; In addition to the above information, the original and of the marital relationship certificate and the of the main buyer's provident fund withdrawal record shall be provided

(1) the original and of the purchase agreement or purchase certificate issued by the housing management department of the unit

(2) the original and of the house purchase receipt

On January 20, 2015, the Ministry of housing and urban rural development of the people's Republic of China, the Ministry of finance of the people's Republic of China and the people's Bank of China issued the notice of the Ministry of housing and urban rural development, the Ministry of Finance and the people's Bank of China on relaxing the conditions for drawing housing provident fund to pay rent, in order to protect the legitimate rights and interests of employees who pay housing provident fund, To improve the extraction mechanism of housing provident fund, improve the effectiveness and fairness of the system, and promote the development of housing rental market, the notice specifies the conditions for the extraction of rental housing:

if the employee has paid the housing provident fund in full for three months in a row, and if he or she and his or her spouse have no self owned housing and rented housing in the deposit City, he or she can withdraw the housing provident fund of both husband and wife to pay the rent. At the same time, the notice also made more specifications and explanations on the amount of withdrawal, the conditions for the withdrawal of rental housing, and the efficiency of withdrawal audit

Network - Extraction of provident fund

5. 1. Marriage certificate and are not required if the handler is not married
2. For identity documents, married people need to provide ID cards and copies of both husband and wife, both of which should be included. It should be noted that this is not only for married people, but also for unmarried single people
3. You need to provide the property right certificate and its . This item is for those who have a house. If they don't own a house but rent a house, what you need to provide is the of the property right certificate of the house they rent
4. Retirement certificate is for people who have retired or retired. If these people want to withdraw the provident fund, they need to present the retirement certificate issued by the company to the relevant departments
5. Take the relevant minimum living insurance certificate for the low-income group, but the important thing is to take a series of copies of ID card and household register
6. An application form for withdrawal of housing provident fund, which needs to be extracted from the provident fund center
extended information
application conditions
1. Urban employees and their units must continuously pay the housing provident fund for one year
2. If the borrower purchases a commercial house, he must have no less than 30% of the total house price as the down payment
3. The borrower has stable economic income, good credit and the ability to repay the loan principal and interest
4. If both husband and wife deposit housing provident fund in full, only one is allowed to apply for housing provident fund loan
5. A family can only apply for a housing provident fund loan to buy a house at the same time
6. The lender must have permanent residence or valid residence status in the province (city)
7. Agree to use the purchased house as mortgage.

6. How to handle the withdrawal of provident fund
1. First of all, we need to apply to our company for withdrawing the provident fund. After the company has approved the application, we can fill in all the application forms, and then go to the relevant department of the company to affix the official seal; Then you can take the relevant materials and copies to the provident fund center for extraction. Relevant materials include "application for drawing housing provident fund" and "detailed list of drawing housing provident fund"
2. After the handler submits the application form for withdrawal of housing provident fund, unit certificate and other relevant materials and relevant copies to the provident fund center, the staff of relevant departments will submit the material application to the next department for approval; After the staff finished the audit, it was submitted to the leader of the provident fund center for audit
3. After approval, a check for withdrawal will be issued. The applicant can use this check to go to the relevant bank to handle the withdrawal proceres of the provident fund. The withdrawal time of the provident fund is 3-5 working days after the completion of the proceres to transfer to the indivial account

what should we pay attention to when handling provident fund
1. In accordance with the agreement, the repayment of the current month should be fully deposited into the repayment account before the repayment date of each month. If the bank has to pay bank card, annual fee or small account management fee to the bank according to the bank's regulations, the borrower shall ensure that the balance in the repayment card (passbook) is sufficient to repay the monthly loan of the current month, so as to avoid overe loan e to insufficient balance of the card (passbook)
2. If the borrower applies for prepayment by means of equal monthly average repayment or equal principal repayment, and the loan issuing banks are Bank of communications, Agricultural Bank of China, Bank of China, instrial and Commercial Bank of China and Construction Bank, the borrower should avoid the repayment date and three working days before and after the repayment, and hold his ID card and "Loan contract" to the loan business department for prepayment proceres, at the same time must pay attention to the loan is overe, can not handle prepayment business.

7.

The operation process of housing provident fund online extraction business:

1. First, open the website of the housing provident fund management center of the city you want to query

the withdrawal of provident fund generally arrives in 3 days, and the specific situation depends on different cities. After the application form is submitted and approved by relevant departments, the bank will remit money directly to the indivial account

2. In principle, it will be called into your personal provident fund account three working days after you go through the procere of withdrawing the provident fund, and it will arrive the next day. It is generally transferred to the indivial settlement account within 3 working days

3. On the fourth working day, you can go to the bank counter or ATM to check whether the extracted housing provident fund has arrived or not. If not, you can call 12329

4. It mainly depends on the audit time. There are differences in the efficiency of different places. As long as the audit is passed, it should arrive soon

extended information:

application conditions for withdrawal of housing provident fund:

I. If an employee meets one of the following conditions for withdrawal, he or she can apply for withdrawal of the balance in his or her spouse's housing provident fund account:

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2

3

4

The loss of self occupied housing caused by wind, flood, earthquake, fire, lightning, debris flow and other natural disasters

self occupied housing refers to the self occupied housing owned by employees, including ordinary commercial housing, apartments, villas and other self occupied housing

(2) if the employee meets one of the following conditions for withdrawal, he / she can apply for withdrawal of the balance of his / her housing provident fund account:

1. If he / she retires or retires in advance according to the relevant provisions of the province or city (county) (the retired or early retired employee must reach the national legal retirement age before he / she can go through the withdrawal proceres)

2, death or declared death

3

4. Completely losing the ability to work and terminating the labor relationship with the unit

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6

(3) if the employee's family purchases commercial properties such as shops, office rooms and property hotel rooms, it is not allowed to draw the housing provident fund to purchase and repay the loan principal and interest of the commercial property

(4) if the employee family has outstanding housing provident fund loan, it can only handle the withdrawal business of repaying the principal and interest of housing provident fund loan (including the principal and interest of commercial loan of portfolio loan), and can not handle other housing consumption withdrawal business

8.

1. The withdrawal of public accumulation fund for paying rent should occur in the case of employees

2. The employees themselves and their family members should have no commercial housing, policy housing and indemnificatory housing within the scope of the city

3. In the same period of time, employees can only choose one housing consumption situation to apply, and can not apply repeatedly; The same time period refers to the period between the employee's last withdrawal business and the current application for withdrawal business; If the withdrawal business has not been handled, the same time period refers to all the withdrawable months before the employee applies for the withdrawal business this time

number of withdrawals

1. If the employee withdraws through the counter of the housing provident fund outlets,

2. If the employee withdraws through the self-service platform of the provident fund center,

the monthly withdrawable amount shall not exceed 50% of the amount payable in the current month of application, and the amount not withdrawn in the current year, It can be accumulated in the following years to extract

materials

counter to extract

basic materials

1, housing provident fund joint card

2. ID card

3. Shenzhen housing provident fund withdrawal application form or required materials

withdrawal applicants should check whether they need to provide the following materials according to the situation:

1. ID card and marriage Certificate (if an employee entrusts his or her spouse to withdraw housing provident fund, the trustee should submit his or her ID card and marriage certificate in addition to the basic materials)

2. ID card and power of attorney (if an employee entrusts another person to withdraw the housing provident fund, the trustee shall submit his ID card and the power of attorney notarized by the notary organ in addition to the basic materials)

Self Extraction

1. Joint card of housing provident fund

2. Self service agreement of Shenzhen housing provident fund business (if no self-service withdrawal agreement is signed)

counter withdrawal process

1. Declare and make an appointment through the self-service platform of the provident fund center. For details, please refer to the online reservation process of Shenzhen public provident fund withdrawal

2 The provident fund center shall make a decision to approve or not to withdraw the housing provident fund within three working days from the date of accepting the application; If it refuses to withdraw, it shall inform the applicant in writing of the reasons for not withdrawing

3. If the withdrawal is allowed, the withdrawal applicant shall go to the counter of the withdrawal branch of the provident fund to handle the withdrawal business, the commercial bank shall handle the payment proceres, and the funds shall be transferred into the savings account of the joint card of the employee's housing provident fund

self service extraction process

self service agreement signing

1. Before the extraction applicant handles the extraction business on the self-service platform, he / she should sign the self-service agreement on the housing provident fund business at the housing provident fund business outlet. If you have signed a self-service agreement, you can skip this step. For details, please refer to: Shenzhen provident fund withdrawal self service agreement signing

online withdrawal

1. Employees log in to the online service hall with their personal housing provident fund account and password

2. Select "rent payment withdrawal" in the personal withdrawal business → check the information (according to the interface display) → click submit (business acceptance on the spot) → complete the business (within one or two working days after business acceptance)

withdrawal location

1. Counter withdrawal: the three major banks' provident fund deposit and withdrawal outlets

for detailed address and telephone, please refer to: Shenzhen Bank of China provident fund outlet, Shenzhen Merchants Bank provident fund outlet, Shenzhen Construction Bank provident fund outlet

2 Self service withdrawal: online service hall of Shenzhen housing provident fund management center