1. Individuals who meet the conditions for purchasing houses can withdraw the provident fund for purchasing their own houses. Generally, buyers are required to have a stable record of employment and payment of provident fund in Huizhou, and comply with the relevant provisions of the local purchase policy.
2. The borrower may apply for withdrawing the provident fund to repay the personal housing loan. It is necessary to comply with the relevant provisions of Huizhou loan conditions and pay the provident fund continuously during the loan period.
3, individuals can apply for withdrawal of provident fund for personal housing overhaul, renovation, reconstruction and other expenses. Need to meet the requirements of Huizhou overhaul, and continue to pay the provident fund during the overhaul,
4. Individuals who meet the retirement conditions can apply for withdrawal of provident fund. Generally, it is required to exceed the statutory retirement age and continue to pay the provident fund before retirement.
5. In some special circumstances, such as serious illness, disability, loss of work ability, etc. , individuals can apply for withdrawal of provident fund. Need to meet the special conditions stipulated by Huizhou city.
Provident fund withdrawal process is as follows:
1, to understand the regulations, first of all, you need to understand the regulations on the withdrawal of provident fund in your area;
2. Prepare materials. According to local regulations, prepare the materials needed to withdraw the provident fund, such as identity certificate, labor contract, housing-related certificate, bank account information, etc. Ensure the completeness and accuracy of information;
3, fill in the application form, according to local regulations, fill in the application form for provident fund withdrawal, and indicate the withdrawal reason and amount information on the form;
4. Submit the application, and submit the completed application form and related materials to the local provident fund management institution. You may need to go to the provident fund management center or submit an application through online channels;
5. Review and verification. The provident fund management agency will review your application and may ask for further supporting materials or interviews;
6. Confirm withdrawal. Once the application is approved, the provident fund management institution will confirm your withdrawal application and inform the relevant withdrawal procedures and time;
7. To withdraw money, according to local regulations, it may be necessary to go through the withdrawal procedures at the designated bank or provident fund management institution to collect the withdrawn money.
To sum up, no tenant pays the rent; Terminate or terminate the labor relationship with the unit, and the account has been sealed for more than 6 months or the housing provident fund has been suspended for more than 24 months and the account has been sealed; Retired; Enjoy the minimum living guarantee; Purchase, construction, renovation, overhaul of owner-occupied housing or repayment of principal and interest of mortgage loan for owner-occupied housing; Leave the country and settle down. You can withdraw the provident fund.
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.