can I withdraw the housing accumulation fund at any time?
I also copy someone else's. Have a look. It's a little long ...
Housing provident fund withdrawal refers to withdrawing the balance of housing provident fund from my account when the paid employee meets the prescribed withdrawal conditions. The housing provident fund remitted in the current month can only be withdrawn after it is confirmed by the account. There are two types of extraction: partial extraction and account cancellation extraction.
I. conditions for withdrawal
employees can withdraw the balance of the housing provident fund account in any of the following circumstances:
(1) purchasing, building, renovating or overhauling their own houses;
(2) retired;
(3) completely losing the ability to work and terminating the labor relationship with the unit;
(4) leaving the country to settle down;
(5) repaying the principal and interest of the loan for purchasing owner-occupied housing;
(6) the rent exceeds the prescribed proportion of family wage income;
(7) workers are living in difficulties and are receiving the urban minimum living allowance;
(8) encountering other unexpected events, causing serious difficulties in family life;
(9) The migrant workers terminate their labor relations with their units;
(1) The employee is sentenced to death, life imprisonment or reaches the national statutory retirement age at the expiration of the term of imprisonment;
(11) The employee is dead or declared dead;
(12) other circumstances stipulated by the CMC.
II. Withdrawal amount and withdrawal period
Principles for determining withdrawal amount:
(1) When employees purchase commercial housing, affordable housing, cooperative housing, fund-raising housing, low-rent housing, relocated houses in rebuild, standard rented private houses and second-hand houses, the withdrawal amount of housing provident fund by buyers shall be calculated according to the following principles:
1. The details are as follows:
(1) The main buyer determines the extractable limit of himself and his spouse, and the total amount does not exceed the actual housing expenditure; (2) If the main buyer is unmarried, the extractable limit is generally determined according to the 1% share of the actual housing expenditure;
(3) If there are multiple buyers in the contract and they are not spouses, the extractor shall provide the Notary Certificate issued by the relevant department, and determine the extractable limit according to their share of property rights.
2. If the spouse or other buyers recorded in the house purchase contract withdraw the housing provident fund, they shall provide the notarial certificate issued by the relevant departments, and determine the withdrawal limit according to their share of property rights.
3. When employees buy dilapidated houses, the total purchase amount shall be deducted from the demolition compensation.
(2) When employees overhaul or renovate their own houses, they should provide the overhaul, renovation certificate and property right certificate issued by the housing management department at or above the township level where the employees are located. The extractable amount of housing provident fund for employees is determined by the detailed invoice for purchasing materials or the invoice for expenses allocated to individuals, excluding the invoice amount for purchasing decoration materials.
(3) When employees build their own houses, they should provide the planning of the township where the employees are located or above, and the certificate of approval of the house site or building issued by the housing management department. The extractable amount of the housing accumulation fund for employees is determined by the invoices for purchasing materials and other construction expenses, excluding the invoice amount for purchasing decoration materials.
(4) If the employee's rent exceeds the specified proportion of the family's wage income, the withdrawal amount of the main renter shall be determined first, and then the withdrawal amount of the spouse or other renter shall be determined, in which the main renter refers to the first person from the left of the lessee in the lease contract. The total amount of extractable credit is automatically calculated by the system according to the entered monthly rent amount and annual household income. The calculation formula is: extractable credit = monthly rent amount *12- annual household wage income *5%, in which "household wage income" should be calculated according to the provisions of the National Bureau of Statistics on Seriously Implementing the Provisions on the Composition of Total Wages (Statistical Word [199] No.1).
(5) If one of the husband and wife has paid the housing provident fund in the downtown, Beijing Housing Provident Fund Management Center Central State Organs Sub-center (hereinafter referred to as the State Administration Sub-center) and Beijing Railway Sub-center of Beijing Housing Provident Fund Management Center (hereinafter referred to as the Railway Sub-center), the withdrawal amount of the other party shall be determined by the information recorded in the Withdrawal Record Form provided by the other party; One of the husband and wife has paid the housing provident fund in the housing provident fund management center of other provinces and cities, and the withdrawal amount of the other party shall be determined by the "Withdrawal Record Form" or relevant certification materials provided by the other party.
extraction period:
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why can't employees withdraw their own housing provident fund at will?
the housing accumulation fund is a personal housing mutual-aid savings fund which is required by the state and must be paid by both units and employees for the housing consumption expenditure of employees. It is taken from the people and used by the people, with special account management and special funds. The housing accumulation fund paid by individuals is calculated at the current interest rate in the current year, and it is calculated at the three-month time deposit rate if it is not withdrawn for more than one year, and it is exempt from personal income tax. The depositor does not have to worry about bearing the loss of interest. Housing provident fund is mandatory. The deposit of housing provident fund is divided into two parts: unit deposit and individual deposit, in which the unit deposit increases the financial burden and the cost of enterprises and units, while the individual deposit is mandatory to improve the ability to pay for housing for employees by reducing personal income tax (reducing national tax). Since the state has made this kind of profit-making behavior for the benefit of employees, it also requires employees to temporarily transfer the free use right of housing provident fund. Therefore, the State Council's "Regulations on the Management of Housing Provident Fund" clearly stipulates the conditions for the withdrawal of housing provident fund, and those who exceed these regulations are illegal withdrawals. Therefore, before the housing provident fund is withdrawn, employees can't actually possess it, but the unit to which they belong pays it to the housing provident fund management center for unified management in the special account set up by the entrusted bank. The housing provident fund should be earmarked for housing expenditures and can't be used for other purposes. Only when it meets the requirements can it be withdrawn.
Can the provident fund really be withdrawn at will?
Conditions for withdrawal of the provident fund:
1. Employees may apply for withdrawal of their own and their spouses' housing provident fund under any of the following circumstances:
(1) Those who purchase, build, renovate or overhaul their own houses;
(2) repaying the principal and interest of the house purchase loan;
(3) renting a house for self-occupation;
(4) I or my spouse, parents or children are seriously ill, causing serious difficulties in family life;
(5) Suffering from sudden major natural disasters, causing serious difficulties in family life;
(6) being included in the minimum living guarantee for urban residents in this city.
2. Employees may apply for withdrawing their own housing provident fund in any of the following circumstances:
(1) Retired;
(2) completely losing the ability to work and terminating the labor relationship with the unit;
(3) those who have settled abroad or settled in Hong Kong, Macao and Taiwan;
(4) The employee has not been employed for two years after terminating the labor relationship with the company, and his family life is seriously difficult;
(5) Having terminated the labor relationship with the company and not been re-employed, the male has reached 5 years old and the female has reached 45 years old, and the family life is difficult;
(6) Non-registered employees and units terminate their labor relations and leave the city, registered employees and units terminate their labor relations and their household registration moves out of the city;
3. If an employee dies or is declared dead, his successor or legatee shall apply for withdrawing the balance stored in the employee's individual housing provident fund account.
Can you withdraw the housing accumulation fund at will?
You can't withdraw it all at once. You can withdraw the housing accumulation fund within three months before the application date every time, and the monthly withdrawal amount shall not exceed the upper limit of the employee's monthly contribution or the monthly rental fee.
how many times can I withdraw the housing accumulation fund in my life? Is it random?
First of all, let me make it clear that withdrawal is from the time you start to pay the provident fund to the time you retire (you can withdraw the provident fund at one time after retirement age)
Secondly, withdrawal of the provident fund must form the fact of buying a house before withdrawal,
A house can only be withdrawn once (you can withdraw it once a year if you repay it on time during the loan period), and you can withdraw the provident fund again if you buy it
.
The following conditions are required to receive the housing accumulation fund:
When buying, building, renovating or overhauling the owner-occupied housing with ownership;
When retiring or reaching retirement age;
completely losing the ability to work, and terminating the labor relationship with the employer;
when the registered permanent residence moves out of this city or goes abroad to settle down;
when non-local employees are transferred from this city;
when employees repay the principal and interest of the house purchase loan, they can withdraw the balance of the housing provident fund to offset it;
when an employee dies or is declared dead, the employee's heir or legatee can withdraw the storage balance in the employee's housing provident fund account, and the employee's housing provident fund account will be cancelled at the same time.
housing provident fund withdrawal process:
individual withdrawal of housing provident fund application (approval);
the original and photocopy of my ID card (the original and photocopy of marriage certificate must be provided for husband and wife to extract);
due to which type of provident fund is withdrawn, the required certification materials are provided according to the corresponding conditions.
can the provident fund be withdrawn by individuals?
Handling conditions
According to the relevant provisions of the Regulations on the Management of Housing Provident Fund in the State Council and the actual situation in our city, employees can withdraw and use their own housing provident fund in one of the following circumstances:
(1) purchasing (including second-hand houses), building, rebuilding or overhauling (the maintenance cost exceeds 3% of the housing cost);
(2) retired;
(3) completely losing the ability to work and terminating the labor relationship with the unit;
(4) going abroad or leaving the country to settle down;
(5) transferred from this city;
(6) repaying the principal and interest of the owner-occupied housing loan
(7) renting the owner-occupied housing, and the rent exceeds 15% of the family income;
(8) laid-off workers
(9) those who have not been re-employed for more than one year after terminating their labor relations with their units;
(1) Dead or declared dead;
(11) employees, their spouses and immediate family members are hospitalized with one of 14 major diseases, and the personal medical expenses are more than 5, yuan.
Application materials
When employees withdraw housing provident fund, they should submit a written application to the unit, fill out the Application Form for Withdrawing Housing Provident Fund, which will be audited and sealed by the unit, provide the bank and account number of the unit, and bring their ID cards and related materials (originals) to the company. After the examination and approval of the center, the housing provident fund will be transferred to the account of the unit by bank transfer, and the unit will pay the housing public fund to the individual employees.
1. Employees who purchase, build, renovate or overhaul their own houses need to provide the following materials to withdraw the housing accumulation fund:
(1) To purchase the commercial housing developed by the real estate developer, they need to submit the Commercial Housing Purchase Contract (the online signing contract filed by the Housing Authority) or the Property Ownership Certificate and the purchase invoice;
(2) To buy a second-hand house, you need to submit the real estate license, deed tax and transaction fee invoice;
(3) When a unit raises funds to build a house, it is required to submit a detailed list of housing allocation and a payment receipt;
(4) Employees who need to buy houses due to urban relocation, and employees who need to buy houses, need to submit the demolition certificate, compensation calculation table and supplementary payment invoice;
(5) Workers who build or renovate their houses according to the town planning shall submit the Homestead Use Certificate and the Town Construction Planning Permit approved by the land planning department at or above the county level;
(6) Overhaul of housing means that some main components of the housing need to be moved or replaced, but it is not necessary to completely demolish the housing (the maintenance cost exceeds 3% of the housing cost), and relevant certificates issued by relevant departments must be submitted. Decoration, decoration, medium repair and minor repair cannot be extracted.
2. Ex-employees and retired employees need to provide the following materials to withdraw the housing accumulation fund:
Submit the ex-employees and retired certificates or approval forms for ex-employees and retired employees (provincial units), and the center will handle the full withdrawal and cancel the account after review.
3. Employees who have lost their ability to work due to work-related injuries and have terminated their labor relations with the unit or resigned due to illness need to provide the following materials:
Disabled employees must submit a Grade 1-4 Disability Certificate issued by the labor and social security department or a Labor Appraisal Form issued by the labor and social security department; Retired workers must submit the Labor Appraisal Form of the labor and social security department, and the center will handle the full withdrawal and cancellation after review.
4. After the enterprise is restructured and reorganized, the housing provident fund paid by the original unit and employees shall be opened by the restructured and reorganized enterprise with relevant documents and transferred to the housing provident fund management center, and the employee's housing provident fund shall be transferred to the restructured and reorganized enterprise for further deposit.
5. If the enterprise is no longer reorganized after bankruptcy, the employee shall withdraw the housing provident fund with valid documents from the court, the competent unit and other departments and go to the housing provident fund management center according to the following provisions:
(1) If he is unemployed, he shall withdraw in full and cancel his account;
(2) those who are relocated to a new enterprise shall go through the transfer procedures; If the new enterprise has not established a housing provident fund system, it will be fully withdrawn and cancelled.
6. When employees terminate their labor relations with the unit due to resignation, dismissal, etc., they need to provide the following materials:
(1) If they leave their jobs, they should submit the Unemployment Certificate, withdraw them in full and cancel their households;
(2) If the file custody agreement is signed, the housing accumulation fund will be sealed in the original unit for one year; Re-employment after one year, the new employment unit has paid the housing provident fund, and go through the transfer procedures; If the new employment unit fails to pay the housing provident fund, it will be fully withdrawn and cancelled, and if it is unemployed, it will be fully withdrawn and cancelled.
7. Those who have gone abroad or settled abroad ..... > >
Why can't the housing accumulation fund be withdrawn casually
Housing accumulation fund refers to the long-term housing savings paid by all state organs, institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, private non-enterprise units, social organizations and their employees within the administrative area of this Municipality. Should be earmarked.
The withdrawal of housing provident fund must meet certain conditions, and the storage balance in the employee housing provident fund account can be withdrawn under one of the following circumstances:
(1) purchasing, constructing, renovating or overhauling the owner-occupied housing with ownership;
(2) retired;
(3) completely losing the ability to work and terminating the labor relationship with the unit;
(4) leaving the country to settle down;
(5) repaying the principal and interest of the house purchase loan;
(6) The rent exceeds the prescribed proportion of family wage income.
Can the provident fund be withdrawn at any time now?
The withdrawal of the housing provident fund is limited, according to the phase.