1, loan to buy a house
Workers within the prescribed time limit (generally 6 months or 12 months or more) continuous full deposit of housing provident fund, in the purchase, construction, renovation, overhaul of their own housing, you can apply to the housing provident fund management center for housing provident fund loans.
Step 2 withdraw cash to buy a house
Workers who have paid in to buy self-occupied housing can apply for withdrawal of the balance in the housing provident fund account, and the withdrawal amount cannot exceed the purchase amount. When buying a house, you can also withdraw your spouse's housing provident fund. Some cities have relaxed the conditions for the withdrawal of housing provident fund. Employees can not only withdraw the balance in the spouse's housing provident fund account, but also withdraw the housing provident fund of their parents or children.
Step 3 rent a house
For many people, especially in hot cities such as Beijing, Guangzhou and Shenzhen, the pressure brought by rent is not small. And with the rise of housing prices, rents are also rising, which is also a big expense all year round.
Tenants can apply for withdrawal of provident fund to pay rent and reduce the pressure of life. Provident fund can not only pay the rent of public rental housing, but also pay the rent of market rental housing, so that you don't have to worry about rent anymore!
4. Difficulties in family life can be extracted.
Employees' families encounter major emergencies (such as car accidents, fires, earthquakes, accidental personal injuries, etc.). ) causing difficulties in family life, or employees' families enjoy the minimum living guarantee for urban residents, they can apply for withdrawing the balance in the housing provident fund account.
Regulations on the administration of housing provident fund
Article 14
The newly established unit shall, within 30 days from the date of establishment, go to the housing provident fund management center for registration of housing provident fund deposit, and within 20 days from the date of registration, go through the formalities for the establishment of housing provident fund accounts for its employees.
Where a unit is merged, divided, revoked, dissolved or bankrupt, the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center to handle the change or cancellation of registration, and handle the transfer or seal-up procedures for the employees of the unit within 20 days from the date of completing the change or cancellation of registration.
Article 15
Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go through the formalities for the establishment or transfer of employee housing provident fund accounts.
Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.
Seventeenth new employees began to pay the housing provident fund from the second month of work, and the monthly deposit amount was the employee's own salary multiplied by the employee's housing provident fund deposit ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.
Eighteenth employees and units housing provident fund deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels. ?