The reason why the payment of common provident fund is stopped is that employees can withdraw the provident fund in the form of resignation. According to the regulations, if the paid employee terminates or terminates the labor relationship with the employer, the account will be sealed for half a year, which meets the conditions for canceling the housing provident fund account. You can apply to withdraw all the balance in your housing provident fund account and cancel your housing provident fund account.

After the provident fund is stopped, the withdrawal steps are as follows:

1. After the relationship between the manager and the unit is terminated, I can withdraw the provident fund with my ID card, resignation certificate and bank card after the deposit of the provident fund has been suspended for six months;

2, WeChat official account extraction, the public can pay attention to the official account of housing provident fund WeChat;

3. Then click online to handle the "resignation and cash withdrawal" business. After the background approval of the system is completed, the funds will be automatically received;

4. Extract from the software, download the app that can query the provident fund, and then upload the ID card and bank card to handle the provident fund withdrawal business.

Standard proportion of housing provident fund payment

The payment ratio is 5%- 12%, and the employer can decide within this range, and the most common one is 8%. Companies and individuals make equal contributions according to the ratio of 1: 1, that is, the company will pay as much as the individual pays. In addition, the company can also pay supplementary provident fund for employees on a voluntary basis, and the supplementary provident fund is paid by the company, and individuals do not pay. Individual payment = payment base multiplied by payment ratio, and the same is true for unit payment. The housing accumulation fund is insured by employees, and the individual account is composed of 50% of individuals and 50% of units. The payment base of housing provident fund is the average monthly salary of employees in the previous year. This payment base shall not be less than 60% of the local social wage in the previous year and shall not be higher than 300%.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 24 of the Regulations on the Management of Housing Provident Fund

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(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) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. 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 storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.