1, "account and person" before the end of the month for housing provident fund.

The Ministry of Housing and Urban-Rural Development is speeding up the construction of a connecting channel for the transportation of the national housing provident fund in different places, which will be launched before the end of June, realizing that "accounts go with people and money goes with accounts". Jointly vigorously promote the mortgage work in different places to meet the needs of employees to pay funds to purchase houses across regions.

2. Started the transfer and connection channel of residents' provident fund in different places.

In recent years, the mobility of employees who have paid housing provident fund has been increasing, which has increased the handling and connection of employees' individual housing provident fund accounts in different places. In order to facilitate inter-provincial workers to handle the transfer and connection of housing provident fund in different places, the Ministry of Housing and Urban-Rural Development has arranged and developed a national transfer and connection channel for housing provident fund in different places. After the registration of the channel, the housing provident fund handling centers across the country can uniformly handle the transfer and connection of housing provident fund in different places for employees who are employed across provinces.

3. The following cities are connected to the Channel.

Now, Beijing, Shanghai, Fuzhou, Guangzhou, Shenzhen, Xi, Taiyuan, Shenyang, Nanchang, Wuhan, Shijiazhuang, Hangzhou, Zhengzhou and other cities have all been connected to the national housing provident fund transfer and connection channels.

Conditions for withdrawal of provident fund:

1, used to buy a house. If you want to borrow money to buy a house, you can apply for a provident fund loan. The low interest rate of provident fund loans can save a lot of loan interest for loan users. If you don't apply for a loan, you can withdraw the provident fund at one time to pay the down payment for the house; Users who have applied for commercial loans to purchase houses can withdraw the provident fund to repay the loan principal and interest on a monthly basis;

2, due to the construction, renovation or overhaul of housing, provident fund depositors have to build their own housing, or renovation, overhaul of their own housing needs, you can apply for a one-time withdrawal of housing provident fund, due to pay housing construction, renovation, overhaul housing costs;

3. for renting a house. Some urban provident funds can also be used for renting houses. If the monthly rental expenditure exceeds a certain proportion of the family income of the depositor of the provident fund, then the provident fund can be withdrawn monthly to pay the housing rent;

4, used to treat major diseases. If the family members of the provident fund payer are unfortunately suffering from serious diseases, they can apply for withdrawing the provident fund to pay medical expenses and reduce the family burden;

5. If the payer of the provident fund retires, resigns or goes abroad to settle down, etc. , he can apply for a one-time withdrawal of provident fund. For retirees, one-time withdrawal of provident fund is a considerable pension.

To sum up, the new provision for the withdrawal of provident fund is that employees and their spouses can withdraw non-loans when they purchase self-occupied housing such as commercial housing with property rights, affordable housing and resettlement housing. Construction, renovation, overhaul of owner-occupied housing with property rights, employees themselves and their spouses can quit. If the loan is used to purchase owner-occupied housing and repay the principal and interest of the loan, employees and their spouses can jointly repay the loan. Workers paid the housing provident fund in full for three consecutive months. My spouse and I don't own a house in our city. If we rent a house, we can withdraw the housing provident fund to pay the rent.

Legal basis:

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

In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

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

(six) 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 legatees may 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 shall be included in the value-added income of the housing provident fund.