Current location - Trademark Inquiry Complete Network - Tian Tian Fund - How to withdraw the money from the provident fund
How to withdraw the money from the provident fund
The process of drawing provident fund is as follows:

1. Submit relevant certification materials, which shall be audited and sealed by the municipal housing provident fund management center or office:

(1) Original and photocopy of the real estate license;

(2) Original and photocopy of deed tax payment certificate;

(3) The original and photocopy of the employee's ID card shall be used to extract the provident fund;

(4) Provident fund withdrawal from the employee's own bank savings account and the employee's spouse's residence provident fund withdrawal, in addition to the above information, the original and photocopy of the husband-wife relationship certificate and the photocopy of the main buyer's provident fund withdrawal record sheet are also required.

2. Obtain the above-mentioned stamped proof material "Housing Provident Fund Withdrawal Sheet", as well as relevant proof materials such as special passbook for housing provident fund, co-branded card for housing provident fund and ID card. Go to the bank's housing provident fund business office for withdrawal;

3. If it is a non-local house, you need to bring a retirement certificate and submit it to the provident fund management center when submitting it;

4. If there are housing provident fund loans from China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Merchants Bank and China CITIC Bank, you need to personally bring relevant materials to the provident fund center or office for approval.

Provident funds can be withdrawn several times a year.

Generally, the provident fund can be withdrawn once a year, and it must conform to the statutory circumstances, as follows:

1, purchase, build, renovate and overhaul owner-occupied housing;

2. Retired;

3, completely lose the ability to work, and terminate the labor relationship with the unit;

4. Go abroad to settle down;

5. Repay the principal and interest of the house purchase loan;

6, the rent exceeds the prescribed proportion of family wage income. According to the regulations, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be cancelled at the same time.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.

What is the withdrawal amount of housing provident fund?

1, housing provident fund can be withdrawn once a month in the case of buying a house and using a mortgage, and the total amount of withdrawal shall not exceed the actual housing expenditure;

2. Withdraw the housing accumulation fund in the case of one-time payment for house purchase. Workers and their spouses can withdraw the housing provident fund in full once every quarter, up to four times a year;

3, self-built, overhaul occupied housing, renovation housing extraction of provident fund, the total extraction does not exceed the actual expenditure;

4, rental housing provident fund extraction, employees and their spouses can fully extract a housing provident fund every year, the total amount of extraction should not be higher than the total annual rent.

Legal basis: Article 9 of the Regulations on the Administration of Housing Provident Fund.

The housing provident fund management committee shall perform the following duties in the housing provident fund management:

(a) according to the relevant laws, regulations and policies, formulate and adjust the specific management measures of housing provident fund, and supervise the implementation;

(two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund;

(three) to determine the maximum loan amount of housing provident fund;

(four) approval of housing provident fund collection and use plan;

(five) to consider the housing provident fund value-added income distribution plan;

(six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.