1, the employee applies to the unit for withdrawing the housing provident fund with the withdrawal voucher;
2. The employee shall apply to the sub-center or management department where the housing provident fund is deposited by the unit with the application materials such as the Application Form for Withdrawal, and the employee shall sign to confirm the withdrawal amount;
3. On the same day, the employee holds the withdrawal application form in duplicate and the withdrawal notice in triplicate, which are verified and confirmed by the sub-center or the management department, and go through the withdrawal formalities at the Construction Bank on the same day;
4. The employee will return the copy of the withdrawal notice after the payment confirmation of CCB to the unit as the accounting voucher of the unit.
Provident fund loan process:
1. preliminary examination: the housing provident fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation;
2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated;
3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Qualified, the center issued the "housing provident fund management center entrusted loan investigation notice";
4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution;
5. Sign a loan contract;
6, housing fund management center and the entrusted bank loan agreement;
7. The borrower directly submits a loan application to the housing fund management center, and the entrusted industry can summarize the borrower's application according to the needs and submit it to the housing fund management center for approval;
8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.
To sum up, the way for individuals to withdraw the provident fund is that the parties submit an application for withdrawing the housing provident fund to the employer with the withdrawal certificate. After submitting the application, the parties need to go through the withdrawal procedures at the provident fund sub-center according to the instructions of the staff.
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.