1. (Extractor) Children want to buy a house, can parents withdraw their housing provident fund?
A: Sorry, you can't. The applicant can only be the owner and spouse of the house purchased, built or repaired. If the purchased house belongs to the resettlement house, it shall be the demolished person and his spouse or the resettlement object and his spouse.
2. (Inherited) Inherited the parents' housing, can I withdraw the housing provident fund?
A: After paying the housing accumulation fund, you can apply for withdrawing the balance in your account after buying, building or overhauling your own house, so as to reduce the pressure of buying a house. If your house is inherited, donated or divided, you can't apply for housing provident fund because there is no purchase behavior.
3. (Decoration) Can I withdraw the provident fund if the house needs decoration?
A: The housing accumulation fund is an individual housing security fund established for employees, and it is a special fund for housing security and housing consumption. After paying the housing provident fund, those who buy, build or overhaul their own houses can apply for using the balance in their accounts to reduce the pressure of buying houses. Sorry, you can't apply for housing provident fund for house decoration.
4. (Renovation overhaul) Why can I withdraw the provident fund for house overhaul, but not for decoration?
A: There are essential differences between renovation and overhaul. Overhaul refers to the need to affect or dismantle some of the main components of the house, but it is not necessary to completely dismantle the house. Therefore, the overhaul is a necessary repair because the house is old, the main structure has changed, and it has become a dangerous house and cannot continue to live; Decoration is only the internal decoration of the house, and it is impossible to extract the housing provident fund from the decoration of the house.
(Commodity Housing) I bought a set of commodity housing in this city. How can I withdraw the housing provident fund?
Answer: (1) If you buy a self-occupied house in this city and apply for withdrawal of provident fund before handling the real estate license, please provide the purchase contract (registered), the first invoice, your ID card and the housing provident fund deposit card to the service window of our center. The withdrawal amount is the amount in the housing provident fund card before you sign the house purchase contract. (2) If you apply for withdrawal of housing provident fund after completing the house ownership certificate, please provide the house ownership certificate, my ID card and provident fund deposit card to the service window of the center for withdrawal procedures. The extractor must be the owner of the house and his spouse. The withdrawal amount is the amount in the housing provident fund card before the real estate license is issued. You can only take a house once.
6. (Demolition and Resettlement House) The demolition and resettlement house I bought in this city has not yet applied for the real estate license. Can I withdraw the housing accumulation fund of both husband and wife?
A: If you or your spouse belongs to the demolished or resettled person in the demolition and resettlement agreement, you can withdraw the provident fund of both husband and wife. Please provide your husband and wife's ID card, housing provident fund deposit card, marriage certificate, demolition and resettlement agreement, demolition and resettlement compensation settlement form, occupancy certificate (including water and electricity payment certificate or cable TV user card or public maintenance fund invoice or occupancy certificate issued by the property company, etc.). , if necessary, provide the household registration certificate of the original demolition address), and the provident fund center will handle it after review. In addition, after the completion of the real estate license, you can apply for withdrawal with the ID card of both husband and wife, provident fund deposit card, real estate license and proof of husband and wife relationship. You can only take a house once.
7. (Commercial Loan Housing) The commercial house I bought has obtained a commercial loan in this city. Excuse me, how to handle the withdrawal procedures of housing provident fund?
Answer: (1) If you buy an owner-occupied house in this city, you can apply for withdrawing the housing accumulation fund in the name of buying a house. If the housing provident fund has not been applied for the purchased house, please go to the service window of the center with the house ownership certificate, the house purchase contract (registered), the down payment invoice, my ID card and the housing provident fund savings card. If the property right certificate of the purchased house has been completed, please provide a copy of the property right certificate, and the loan contract signed with the loan bank, my ID card and housing provident fund savings card shall be stamped by the loan bank to go through the withdrawal procedures at the central service window. The withdrawal amount is the amount in the housing provident fund card before you provide valid documents (contract, payment invoice and real estate license).
(2) If you have applied for a commercial housing loan in this city and the repayment is more than 12 months according to the loan contract, you can also apply for withdrawing the balance of the provident fund account of the borrower and his spouse (including other property owners and their spouses) once a year, and the total amount of withdrawal shall not exceed 12 times of the principal and interest of the housing loan last month at the time of application.
(3) After the commercial housing loan is paid off, you can also withdraw the housing provident fund. At that time, please bring your ID card, repayment certificate issued by the bank, property ownership certificate and housing provident fund deposit card to the central service window for withdrawal and review. The extractor must be the owner of the house and his spouse. The withdrawal amount is the balance in the housing provident fund card before your repayment date.
8. (buying a house in a different place) I bought a house in a different place. Excuse me, how to withdraw the housing accumulation fund of this city?
Answer: (1) If you buy a self-occupied house in another place, you can apply for withdrawing the housing accumulation fund paid by this city after you have completed the house ownership certificate. Please bring your ID card, real estate license and provident fund deposit card to the service window of our center for withdrawal. The withdrawal amount is the balance before the month (including the month) when the real estate license is issued; You can only take a house once. The extractor must be the owner and spouse of the house or the property owner and spouse. Withdrawal amount: the balance before the month when the real estate license is issued. You can only take a house once.
(2) If the house applies for a commercial loan, it can apply for withdrawing the provident fund again after the loan is paid off. Please bring your ID card, housing provident fund savings card, payment certificate issued by the bank and property ownership certificate to the service window of the center to apply for withdrawal. The withdrawal amount is the balance before the month of paying off the loan. You can only take a house once.
9. (Building a house in a different place) How to withdraw the housing provident fund when building a house in a different place?
Answer: If you build a house in a different place, you can apply to withdraw the housing provident fund. If you have received the house ownership certificate, please bring your ID card, housing provident fund deposit card and house ownership certificate to the service window of our center for withdrawal. If you haven't applied for the house ownership certificate, please bring your ID card, housing provident fund savings card and the building permit document issued by the construction management department (valid for 1 year, from the date of approval) to the center service window for extraction and review. You must be the owner of the house and his spouse. The withdrawal amount is the balance before the month when valid certification materials are issued.
10. (Overhauling the house) My house needs to be overhauled. Can I apply for housing provident fund withdrawal?
Answer: You can withdraw the provident fund for the overhaul of self-occupied housing, and you need to provide your ID card, provident fund savings card, house ownership certificate and the overhaul permit document approved by the planning or construction management department (valid for 1 year, from the date of approval); If the license document is not handled, the "Housing Technical Appraisal Book" issued by the housing safety appraisal department shall be provided. The extractor must be the owner of the house and his spouse or the owner of the house and his spouse.
1 1. (Withdrawal after provident fund loan) I applied for housing provident fund loan before marriage. Can my spouse's housing provident fund be withdrawn now?
Answer: After handling the housing provident fund loan, the housing provident fund of the borrower and his spouse can only be used for monthly repayment or one-time transfer to pay off the provident fund loan or partial transfer to repay the loan in advance, and other types of withdrawal cannot be handled before the loan is paid off.
(The above answers were published on 20 17-03-06. Please refer to the actual situation for the current purchase policy. )
When buying a new house, go to Sohu Focus.