According to the "Withdrawal Regulations", employees can apply for withdrawal of housing provident fund through the online service platform of the provident fund center, and make an appointment with the housing provident fund business outlets to handle business. For other housing consumption, employees can apply online through the online service platform of the provident fund center after signing the online business agreement of the housing provident fund at the housing provident fund business outlets.
The provident fund center shall make a decision on whether to approve or disapprove the withdrawal within 3 working days from the date of accepting the application. If the withdrawal is approved, the commercial bank entrusted by the provident fund center will go through the payment formalities, and the bank will directly transfer the funds into the savings account of the employee housing provident fund joint card.
basis
material
1, housing provident fund joint card;
2. Identity card;
3, "Shenzhen housing provident fund withdrawal application form".
Yesterday, Shenzhen Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center) announced the Interim Provisions on the Administration of Housing Provident Fund Extraction in Shenzhen (hereinafter referred to as the Extraction Provisions). The Withdrawal Regulation is valid for 2 years and will be officially implemented on September 1. This provision further lowers the extraction threshold.
1 rent withdrawal
There is no need to submit a rental contract.
"Withdrawal Regulations": "Employees and their family members who pay housing rent within the scope of this Municipality shall have no housing with property rights within the scope of this Municipality, and the monthly withdrawal amount shall not exceed 50% of the deposit amount in the month of application. If the monthly withdrawal amount does not exceed 12 months, they can withdraw it every year and apply for withdrawal twice a year; The remaining amount that has not been withdrawn in the current year can be accumulated in subsequent years. "
Interpretation: According to the public's suggestion, increase the withdrawal amount of housing provident fund to pay rent. The withdrawal rule cancels the limit of 1 000 yuan, cancels the requirement of providing lease contract when withdrawing, and only requires employees and their family members to declare their houses without property rights in this city in good faith.
2 house purchase extraction
Restrictions were further relaxed.
"Withdrawal Provisions": "When employees and their family members purchase houses with ownership, if there is only one house in total, the withdrawal amount shall not exceed the balance stored in the account at the time of application, and shall not exceed the total purchase price; Workers and their family members have two or more houses in total, and the withdrawal amount shall not exceed 60% of the account balance at the time of application, and shall not exceed the total purchase price; From September 30, 20 10, if employees and their family members purchase the third and above houses (including off-site), they will not withdraw the third and above houses. "
Interpretation: According to the public's opinions on reducing the restrictions on multi-suite extraction, the "Extraction Regulations" relaxed the restrictions. The exposure draft stipulates that all employees and their family members who have three suites under their names are not allowed to withdraw.
According to the "Extraction Regulations", if there are three or more houses before September 30, 20 10, 60% can still be extracted if the time of bills and other vouchers meets the requirements; This regulation only requires that the third and above houses (including houses purchased in different places) purchased after September 30, 20 10 cannot be withdrawn. If the bills and other documents of other houses meet the requirements, you can also choose one of them to withdraw 60%.
At the same time, the "Withdrawal Regulation" cancels the requirement that bills and other vouchers should be issued after the implementation of the "Interim Measures for the Administration of Housing Provident Fund in Shenzhen" (20 10 12.20), and only retains the requirement that the application withdrawal time and voucher issuance time should be within two years. Therefore, if employees apply for withdrawal in September, 20 1 1, the earliest time to issue relevant certificates of house purchase can start from September, 2009.
In addition, whether in Shenzhen or outside the city, paid employees can apply for house purchase and withdrawal according to regulations.
3 owing on the loan extraction
The first suite can draw the actual repayment amount.
"Withdrawal Regulations": "When the loan principal and interest of the housing with ownership in this city are repaid, and the employees and their family members have only one set of housing in total, the monthly withdrawal amount shall not exceed the actual repayment amount of the employees last month; Workers and their family members have two or more houses in total, and the monthly withdrawal amount shall not exceed 60% of the amount payable in the month of application; From September 30, 20 10, if employees and their family members purchase the third and above houses (including off-site), they will not withdraw the third and above houses. "
Interpretation: in the draft for comments, any employee and his family members who have three suites under their names may not be extracted; The first suite shall be paid monthly and shall not exceed the actual repayment amount.
According to the "Regulations on Extraction", two changes have been added: First, if there are three or more houses (including houses in different places) before September 30, 20/kloc-0, 60% can still be extracted, but the third suite purchased after September 30, 20/kloc-0 cannot be extracted; Second, extract the actual monthly repayment amount of the first suite.
4 reservation
3 months to 1 month
"Withdrawal Regulations": "After the employee withdraws the housing provident fund according to the provisions of this chapter, the balance of the housing provident fund account after withdrawal shall not be lower than the monthly deposit amount of the month in which the employee applies."
Interpretation: According to the public's opinions on reducing the retention amount, the extraction regulation reduces the retention amount from 3 months to 1 month. The housing accumulation fund system has the characteristics of security, mutual assistance and compulsion. The provisions of the retention amount are mainly to reflect the principle of mutual assistance of housing provident fund, and the retained funds are used to ensure and meet the funding needs of subsequent employee housing loans. Judging from the development process of housing provident fund practice in various places, the retained amount of housing provident fund is from more to less; Similarly, with the continuous development of the housing provident fund system in our city, in the near future, the retained amount of housing provident fund in our city will gradually decrease or even be cancelled.
5 Housing consumption
You can also use the provident fund for decoration.
"Withdrawal Regulations": "For other housing consumption, employees have accumulated housing provident fund 12 months in accordance with the interim measures, and can apply for withdrawal once a year. The amount that can be withdrawn shall not exceed 30% of the total housing provident fund that should be paid to employees 12 months before the application for withdrawal; The remaining quotas that have not been withdrawn in the current year can be accumulated in subsequent years.
The term "other housing consumption" as mentioned in these Provisions includes the payment of housing property service fees, daily special maintenance funds for property, housing renovation fees, elevator installation fees in old residential areas and other housing consumption situations other than those specified in Items (1) to (4) of Article 5 of these Provisions. "
Interpretation: According to the public's opinions on increasing the extraction situation and increasing the amount of property fees, the "Extraction Regulations" increased the extraction situation of other housing consumption. Housing consumption such as housing property service fees, decoration fees, daily special maintenance funds for properties, elevator fees in old communities that do not meet the conditions of buying, renting and repaying loans will be included in other housing consumption situations.
Employees only need to sign an online business agreement at the housing provident fund business outlets, and they can go through the online withdrawal procedures every year. During the withdrawal application period, 30% of the total housing provident fund of employees should be paid.
Relevant certification materials
1, purchase of commercial housing:
First-hand houses shall submit the real estate ownership certificate or purchase contract and purchase invoice registered by the real estate ownership registration department of this Municipality; Second-hand houses submit real estate ownership certificates and deed tax stamps;
2, the purchase of policy (affordable) housing:
Submit the certificate of real estate ownership or the policy (indemnificatory) housing purchase contract and special receipt of this Municipality;
3. Buying a house in a different place:
Submit real estate ownership certificate and purchase invoice or deed tax invoice;
4, to repay the city within the scope of
Have the right to housing loan principal and interest:
Submit loan contracts, mortgage contracts and repayment vouchers; If monthly repayment is entrusted, a monthly repayment entrustment agreement signed with the provident fund center shall be submitted separately;
5. Construction within the city limits
Right to housing:
Submit the certificate of land ownership, the approval letter for land use issued by the municipal planning and land department, the approval letter for construction land or other approval documents, and invoices for purchasing building materials and other construction expenses;
6, the transformation within the city.
Right to housing:
Submit the certificate of real estate ownership, the decoration reply or other approval documents issued by the municipal planning and land department, the purchase of building materials and other construction cost invoices;
7, the city-wide overhaul.
Right to housing:
Submit the real estate ownership certificate, the housing safety appraisal certificate issued by the municipal construction department or a qualified appraisal institution, the purchase of building materials and other construction cost invoices.
8, pay the housing rent within the scope of the city and for other housing consumption:
Just submit the basic materials.