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What are the conditions for Bengbu to use housing provident fund loans?
, purchase, construction, renovation, overhaul occupied housing workers;

2. Employees who died during their service;

3, approved by the relevant departments, retired workers;

4. Workers who have moved out of the city, settled abroad and obtained the national unified recruitment of graduate students;

5. Workers who repay the principal and interest of owner-occupied housing loans;

6. Employees who rent more than 15% of their household income;

7. agricultural registered permanent residence employees and foreign household registration who have paid housing provident fund in Fuxin administrative area, employees who work in Fuxin, and employees who have terminated labor (personnel) relations with the unit;

8. Workers who completely lose their ability to work and terminate their labor relations with the unit;

9. Employees whose labor (personnel) relationship is terminated due to cancellation, dissolution, bankruptcy, restructuring and other reasons;

10, employees who encounter unexpected events and cause serious difficulties in family life.

Conditions:

1. When the employee withdraws the housing provident fund, the employer shall not default on the housing provident fund for more than two months. Units for some reason to stop paying, holdover housing provident fund; Laid-off, buyout workers, except for the original unit for housing provident fund personal accounts sealed procedures.

2, workers for the purchase or building extraction, should be extracted within one year after obtaining the "all of housing". Workers who purchase or build self-occupied housing again after 5 years of withdrawal of housing provident fund can be extracted according to the prescribed procedures with relevant information. The total amount of each withdrawal by both husband and wife cannot exceed the actual purchase expenditure.

Workers due to renovation, overhaul occupied housing extraction, should be extracted within one year from the date of renovation, overhaul. The total amount extracted by both husband and wife cannot exceed the actual cost of house overhaul. The housing provident fund management center can go to the site for on-the-spot investigation according to the situation to determine whether to allow the withdrawal.

3. If an employee dies or is declared dead, the employee's heir or legatee may withdraw the storage balance in the employee's housing provident fund account. If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

4. Employees use the housing provident fund to repay the principal and interest of self-occupied housing loans. During the loan period, before the loan principal and interest are fully paid off, the borrower and spouse can withdraw the housing provident fund several times, and each withdrawal time should be more than two years apart, and the total amount of each couple's withdrawal shall not exceed two years to repay the loan principal and interest. If the loan principal and interest are repaid in advance, the total withdrawal shall not exceed the balance of the loan principal and interest repaid in advance.

Workers who fail to repay the principal and interest of housing provident fund loans within the time limit must first make up the principal and interest of loans owed, and then go through the formalities of withdrawing the provident fund.

Workers can only choose one extraction method for house purchase extraction and loan repayment. Those who have applied for house purchase extraction before the loan are no longer entitled to this provision.

After the employee's individual housing provident fund account is sealed, it shall not be implemented in accordance with these regulations.

Workers whose housing provident fund loans have not been fully paid off cannot go through the cancellation procedures of housing provident fund accounts before the principal and interest of housing provident fund loans are fully paid off.

5. Workers who have terminated their labor (personnel) relationship with the unit due to the cancellation, dissolution, bankruptcy, restructuring and other reasons, and have not been re-employed for more than two years after the unit or liquidation organization sealed the account at the housing provident fund management center, thus causing difficulties in family life, can withdraw the storage balance in the housing provident fund account and cancel the account at the same time.

Extraction program:

1. If the employee meets the conditions for withdrawing the housing provident fund, he/she shall provide the corresponding certification materials, which shall be verified by the unit where he/she works, and an application form for withdrawing the housing provident fund shall be issued, with the financial reservation stamp affixed;

2, employees (or units) to extract proof and related materials, to the management center to extract the approval counter to apply for the extraction of employee housing provident fund, management center after accepting the application, within 3 working days to make a decision to approve or disapprove the extraction, not allowed to extract the reasons;

3. If the management center approves the withdrawal, the withdrawal amount will be directly transferred to the unit settlement account after 3 days, and the employee will receive it from the unit with the withdrawal receipt issued by the housing provident fund management center;

4. Workers and families who have special circumstances and are confirmed by the Housing Provident Fund Management Center to meet the conditions for withdrawal of centralized sealed accounts can withdraw directly from the center by the procedures required by the center, and the center will directly transfer their housing provident fund to the bank savings compromise.

Time limit: 3 working days. Time limit for commitment: 3 working days