I. Extraction conditions
1. Purchase withdrawn
Purchase extraction is the most common extraction method, which can be used to buy self-occupied housing, second-hand housing and commercial housing. The conditions for house purchase extraction include:
-First-time house purchase: the buyer must be the first time to buy a house and has not withdrawn the purchase price from the personal account of the housing provident fund.
-Purchase area: Generally, the purchase area shall not exceed the prescribed limit.
-Time of purchase: The time of purchase must comply with relevant regulations.
2. Withdraw mortgage repayment
Mortgage repayment is applicable to those who have bought a house and borrowed money, and is used to repay the principal and interest of the house loan. The conditions for mortgage repayment include:
-Loan time: The loan time must comply with relevant regulations.
-Repayment: Lenders need to repay in full and on time.
3. Rent a house for extraction
Rent withdrawal is suitable for people who have no house or can't buy a house to pay rent. Rent extraction conditions include:
-Lease time: Lease time must comply with relevant regulations.
-Rental contract: relevant supporting documents such as rental contract need to be provided.
4. Decoration extraction
Decoration Select the person who is suitable for decoration after buying a house to pay the decoration expenses. Decoration extraction conditions include:
-Renovation time: Renovation time must comply with relevant regulations.
-renovation contract: renovation contract and other relevant documents are needed.
Second, the extraction process
1. Prepare materials
According to different extraction conditions, prepare corresponding materials, such as purchase contract, loan contract, lease contract, renovation contract, etc.
Fill in the application form
Fill in the Application Form for Extraction of Housing Provident Fund according to the extraction conditions, and attach relevant supporting materials.
Submit application
Submit the completed application form and relevant supporting materials to the local housing provident fund management center.
review
The housing provident fund management center will review the application to verify whether the applicant's qualifications and extraction conditions meet the requirements.
5. Approve the extraction
After approval, the housing provident fund management center approves the withdrawal and transfers the withdrawal money to the account designated by the applicant.
Use the extracted money
The applicant can carry out corresponding operations according to the purpose of withdrawal, such as paying the house purchase price, repaying the mortgage, paying the rent or decoration fee, etc.
final result
Through the introduction of this article, I believe everyone has a clearer understanding of the extraction conditions and processes of housing provident fund. When extracting housing provident fund, we need to pay attention to the requirements of different extraction methods and prepare corresponding materials. At the same time, when filling in the application form and submitting the application, we should carefully check the accuracy of the information so as not to affect the extraction process. I hope this article will be helpful to everyone, and I wish everyone can withdraw their housing provident fund smoothly!