At present, public institutions and most private enterprises will pay five insurances and one gold for their employees, one of which refers to the housing provident fund, and the public rental housing provident fund is the fund used to buy a house. So what should I do if I resign after buying a house with provident fund loans? Friends who want to know may wish to have a look with Bian Xiao!

1. What should I do if I resign after buying a house with a provident fund loan?

If the application for provident fund loan has been approved and all procedures have been completed, resignation or withdrawal of provident fund will not affect the provident fund loan. Just recharge the loan card on time to ensure that you can repay it every month.

Second, what is the withdrawal process of the provident fund?

1. application

First, apply to the work unit with the certificate and materials for withdrawing the provident fund, and the work unit will verify the withdrawal. For those who meet the conditions for withdrawing the provident fund, issue an application form for withdrawing the housing provident fund with the official seal of the unit, and fill in the information in the form.

Step 2 wait for notice

For provident fund withdrawal, you should bring the completed Application Form for Housing Provident Fund Withdrawal and other relevant supporting materials to the relevant branches of the local provident fund center for approval, and the staff will make a decision on whether to approve or disapprove the withdrawal.

3. Complete the extraction procedure

After approval, the applicant should bring the required materials to the corresponding bank for withdrawal of provident fund.

3. What materials are needed for the extraction of rental provident fund?

1. Original and photocopy of the contract signed when renting a house.

2. The original and photocopy of the paid rent.

3. The original and photocopy of the employee ID card from which the provident fund is withdrawn.

4. Withdraw the bank savings account of provident fund employees.

5. provide a copy of the website of the tax bureau and check the authenticity.

Bian Xiao concluded: The above is what Bian Xiao shared with you about provident fund loans and resignation after buying a house. I believe that everyone will have a corresponding understanding after reading the above sharing. For more information, please continue to pay attention to Qijia. com. Bian Xiao will answer you one by one.

What should I do if I resign after the provident fund loan?

After handling the housing provident fund loan, the handling method of resignation is as follows:

1. If the provident fund is withheld, it cannot be deducted when the balance of the provident fund account is deducted to a certain amount. The bank will notify the formalities and deposit the monthly payment into the loan repayment account every month;

2. If the provident fund loan has been handled, the job change will not affect the provident fund loan, and the monthly payment can be deposited into the repayment account of the loan on time every month. Because the loan has been issued, it will be calculated according to the interest rate agreed in the previous loan contract. Because the housing provident fund has a personal account, the fees paid by enterprises and individuals all form the total amount of personal accounts, and they will stop paying only after resigning, but individuals who belong to the money in the account can withdraw freely at any time as long as they meet the requirements for withdrawal of provident fund;

3. If you still work in the local area after leaving the company, the provident fund account of the original unit will be merged with the new unit.

Legal basis: Article 3 of the Regulations on the Administration of Housing Provident Fund.

The housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where the employees work belong to individual employees.

Article 15

Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go through the formalities for the establishment or transfer of employee housing provident fund accounts.

Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.

What should I do after the resignation of the housing provident fund?

It is not easy to find a unit that can help employees pay the provident fund now, and such a unit is also popular. The biggest purpose of paying the provident fund is that we can apply for a lower loan interest rate and a higher loan amount when we borrow to buy a house. But if you have no plans to buy a house, what about the housing provident fund after your resignation?

First, how to deal with the housing provident fund after resignation

If you resign, you need to handle the provident fund in different ways according to different situations.

1. Although some people have resigned, they have found new jobs and are still working locally. We can transfer the provident fund. If it is transferred in this city, the provident fund account of the original unit will be merged with the provident fund account of your new unit. Fill in the account opening certificate of the transferred employee, then give it to the original unit, and then transfer it through the bank. You need to prepare relevant documents, such as your ID card.

2. If you leave your job and go to another city, the provident fund account needs to be transferred to a new unit. You need to submit the materials to the original unit, and then go to the account management department through the original provident fund. You need to prepare the acceptance certificate of the new unit, as well as the certificate of establishing housing provident fund in the transfer place and the transfer account number, including the name of the account holder and my ID card, and go to the local provident fund center to complete it.

3. Some people choose to withdraw the balance of the provident fund, and you need to provide relevant supporting materials, because only those who leave or retire, including those who have lost their ability to work, are eligible for withdrawal. After that, you need to fill out the application form, bring your ID card and hand over all the information to the staff for review.

Second, the conditions for the withdrawal of housing provident fund

1. If you need to withdraw the housing provident fund, you need to close the account directly, and then you can meet the withdrawal requirements for those who have left their jobs and retired.

Some people choose to live abroad after leaving their jobs. For these people, you can also choose to extract, and you need to provide relevant materials.

Bian Xiao concluded: If you have left your job, you can choose to transfer your provident fund account, and you need to go through relevant procedures. If you don't want to transfer and want to return, you need to meet certain conditions.

How to resign from the unit after buying a house with a housing provident fund loan?

Resignation from the unit after buying a house with a housing provident fund loan has no impact on its loan behavior, and it should continue to repay in accordance with the loan provisions.

According to Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Extended data:

Article 15 of the Regulations on the Management of Housing Provident Fund, if a unit employs employees, it shall go to the housing provident fund management center for deposit registration within 30 days from the date of employment, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center.

Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.

Baidu Encyclopedia-Regulations on the Management of Housing Provident Fund