Procedures for withdrawing housing provident fund

1. After online booking, submit the withdrawal application and related materials to the bank branch.

2, the bank agency outlets audit materials and issue a notice of acceptance.

3, bank outlets will submit materials to the provident fund center for approval.

4. Withdraw and transfer to the personal designated account. The handling outlets submitted to the bank are all the same.

The circumstances in which the provident fund can be withdrawn include:

1. Buy, decorate and build houses.

2. Retire.

3. Lose the ability to work and resign from the original unit.

4. Repay the house loan.

5, renting a house, and 20% of the total monthly income.

The most common form of withdrawal of provident fund is house purchase, because the materials submitted for house purchase include:

1, house

2. Bank loan contract.

3 deed tax payment certificate and house payment invoice or receipt.

4. I and my spouse's ID card, marriage certificate and household registration book.

5. Power of attorney for credit inquiry.

6. A written application for withdrawal of provident fund. Special reminder: Take Guangzhou as an example. According to the latest reserve, the unit seal is no longer needed.

legal ground

Management of Housing Provident Fund

Workers in any of the following circumstances, you can extract the balance of storage in the employee housing provident fund account:

(1) purchase and construction;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5)

(six) the rent exceeds the prescribed proportion of family wage income.

Those who meet items (2), (3) and (4) of the preceding paragraph shall also cancel their employees.

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 employee housing provident fund will be added to the housing provident fund.

Article 5 of the housing accumulation fund

Proof that the employee withdraws the balance stored in the housing provident fund account.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Second, the Shanghai provident fund credit review standard?

To apply for a pure provident fund loan, you need to review your personal credit information. When applying for housing provident fund loans, personal credit report audit standards:

1. The borrower and the borrower's personal credit report have credit records for 24 consecutive months. During this period, any loan or credit card repayment that is in arrears for 3 consecutive periods (inclusive) or accumulated for 6 periods (inclusive) is not eligible for housing provident fund loans.

2. "1" and "2" appeared in the quasi-credit card in the personal credit report of the borrower and the * * * borrower for 24 consecutive months, but "3" did not appear. In principle, it does not belong to the scope of bad credit records. As long as the credit record within 24 months meets the above personal credit conditions, you can apply for housing provident fund loans.

Three. Conditions and requirements of Shanghai provident fund loan 202 1

Whether you apply for provident fund loans or withdraw provident fund in Shanghai, you need to meet certain conditions. Shanghai provident fund loans generally require good personal credit information, in addition to the following conditions:

1. If you buy a self-occupied house owned by a town in this city, you have paid the housing accumulation fund for 6 months before applying for a loan.

2. The borrower's family has no outstanding housing provident fund debt.

3. Personal credit is good, have a stable job, and can repay the arrears on time.

4 other conditions stipulated by the provident fund management center.

legal ground

"Regulations on the Administration of Housing Provident Fund" Article 27 An applicant applying for a housing provident fund loan shall provide a guarantee.

"Regulations on the Management of Housing Provident Fund" Article 28 The housing provident fund management center may use the housing provident fund for the purchase of government bonds with the approval of the housing provident fund management committee on the premise of ensuring the withdrawal and loan of housing provident fund. The housing provident fund management center shall not provide guarantees to others.

Four, the provident fund loan credit requirements

Housing provident fund loans:

I. Materials required for housing provident fund loans:

Household registration books of the borrower and his spouse;

Resident identity cards of the borrower and his spouse;

Proof of the marital status of the borrower;

Proof of down payment for house purchase;

Proof of income;

Credit status report of the borrower and his spouse printed by the bank;

Housing sales contracts or agreements that comply with the law.

The second is the conditions for handling housing provident fund;

Individuals and their units must continue to pay housing provident fund for one year;

The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Three, the housing provident fund management process:

The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials;

After receiving the application, the loan bank shall confirm and review the information;

After the audit, the loan bank contacts the lender and signs the relevant contract;

For bank loans, the lender shall fulfill the repayment obligation.

Four, housing provident fund loans query method:

After most banks open online banking for their monthly payment cards, they can find mortgage repayment records and loan balances on online banking;

Through the telephone banking 955 service hotline, through the bank's manual customer service inquiry;

Inquire about personal credit institutions, print personal credit report, and the credit report will also show the loan balance. With my ID card, go to the personal loan center where the bank issues loans to find the account manager to inquire;

If you clearly know the time of interest rate adjustment and the current interest rate, you can also set up a professional loan calculator to calculate the monthly payment yourself.