1. Retirement (resignation);
2. Completely or partially lose the ability to work, and terminate the labor relationship with the unit;
3. The registered workers in this Municipality have not been re-employed for 5 years or have reached the age of 50 for men and 45 for women after terminating their labor relations with their units;
4. Employees who are not registered in this Municipality have not been re-employed in this Municipality after terminating their labor relations with their units;
5. Enjoy the urban minimum living guarantee;
6. Go abroad to settle down;
7. The employee dies or is declared dead.
What documents do I need to take to withdraw the housing provident fund if I meet the conditions? Information required for housing provident fund withdrawal:
1, buy self-occupied housing. Commercial housing sales contract or real estate ownership certificate (including house ownership certificate and real estate transaction registration certificate) and purchase (sales) invoice registered in the real estate exchange where the house is located shall be submitted. The purchase of housing reform, should be submitted by the housing reform office issued by the purchase of public housing approval documents (or "real estate certificate") and payment receipt.
2. Build self-occupied housing. If the house is under construction, submit the state-owned land use certificate issued by the Municipal Bureau of Land and Resources and the construction land planning permit and construction project planning permit issued by the Municipal Planning Bureau; If the house has been completed, it shall be submitted to the Real Estate Certificate issued by the Municipal Housing Authority.
3. Renovation of self-occupied housing. Submit the "Property Ownership Certificate" or "Property Ownership Certificate" issued by the Municipal Housing Authority and the "Construction Project Planning Permit" issued by the Municipal Planning Bureau.
4, overhaul occupied housing. Submit the "Property Ownership Certificate" or "Property Ownership Certificate" issued by the Municipal Housing Authority and the "Housing Safety Appraisal Report" issued by the housing safety appraisal agency.
5. Retirement certificates are required for retirement.
6. The laborer completely loses the ability to work and terminates the labor contract with the unit. Submit the certificate of termination of labor relations with the unit, and also submit the municipal hospital certificate, labor ability appraisal certificate or disabled person certificate. If the labor relationship with the unit is terminated but the labor ability is not completely lost, only the sealing procedures can be handled.
7. The employee terminates the labor relationship with the unit and obtains the unemployment certificate. Submit unemployment certificate and identity card, etc.
8. Workers with other urban hukou terminate their labor relations with their units. Submit the resignation certificate and identity card issued by the unit.
9, job transfer, account out of the city, to settle abroad. Submit the transfer order of the personnel and labor department, the household registration certificate issued by the household registration management department of the Municipal Public Security Bureau, and the certificate of leaving the country to settle down. (Those who go abroad for further study or study or leave the country for a short time do not belong to the category of extraction and can only be sealed).
10. Repay the principal and interest of the bank loan for the purchase of owner-occupied housing. Submit the loan contract, the mortgage registration certificate of the housing management department (the purchase invoice can be provided for the purchase of the mortgage registration certificate of foreign houses) and the repayment passbook (or the latest repayment list). 1 1. Repay the principal and interest of bank loans for building, rebuilding or overhauling owner-occupied houses. The loan contract, mortgage registration certificate of the housing management department (if there is no such certificate for the construction, renovation and overhaul of houses outside the city, relevant invoices can be provided), construction application certificate and repayment passbook (or the latest repayment list) should be submitted.
12, and the rent exceeds 5% or more of the salary income of the family (same account). Submit proof of wage income (issued by the employee unit), household registration book, lease contract, rent payment invoice, etc. , and extract the part that exceeds the rent ratio with the invoice of the current month's rent payment. Foreign registered permanent residence workers submit lease contracts, invoices, receipts or unit certificates to pay rent.
13, the employee died or was declared dead. The employee's heirs and legatees can withdraw the storage balance in the employee's housing provident fund account by submitting relevant certificates (death certificates, legal documents declared by the court, notarial certificates of the heirs and legatees, etc.). ). 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.
14, employees enjoy the minimum living guarantee for urban and rural residents. Submit the household registration book and the "Citizen Minimum Living Security Object Guarantee Certificate" or "Urban and Rural Residents (Villages) Minimum Living Security Line Guarantee Certificate" issued by the municipal civil affairs department. You can withdraw the balance in the employee housing provident fund account every month until you stop enjoying the subsistence allowance.
15, employees' families suffered heavy property losses due to unexpected events, resulting in difficulties in life. Submit the fire protection certificate of the fire department or the compensation certificate of the insurance company.
16. The employees themselves, spouses and children have difficulties in family life due to major diseases. Submit a patient-specific outpatient card (issued by the Municipal Social Security Bureau) and an invoice for medical expenses. You can withdraw the balance in the employee housing provident fund account every month until the per capita monthly income of the family exceeds the municipal minimum living standard.
There are strict regulations on the withdrawal of housing provident fund, which can only be withdrawn and used according to relevant requirements, and cannot be directly withdrawn. Housing provident fund is used for employee housing consumption and employee housing construction financing according to regulations, and no unit or individual may use it for other purposes.
1. In any of the following circumstances, employees can withdraw the storage balance in the housing provident fund account:
(1) Purchase, build, renovate or overhaul owner-occupied housing;
(2) retirement;
(3) completely losing the ability to work and terminating the labor relationship with the unit;
(four) after the termination of the labor relationship with the employer, it has not been re-employed for five years;
(5) Going abroad or going abroad to settle down;
(six) the account moved out of the administrative area of the city or county, and the housing provident fund system was not established in the place where it moved in;
(7) Housing consumption of other employees stipulated by the provincial people.
2. 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.
3. After the termination of labor relations between employees and their units, migrant workers or non-urban registered employees and the city (county, city, district) units terminate labor relations, and urban registered employees in this city can withdraw housing provident fund if they are not re-employed for 5 years.
4. To receive the provident fund of this project, employees need to provide the housing provident fund dragon card (deposit certificate) and the "Application for Housing Provident Fund Extraction" audited and sealed by the unit before they can receive it.
5. Materials to be provided for handling: (1), seal-up certificate of housing accumulation fund or seal-up notice (original); (2) Apply for the ID card of the extractor (original and photocopy 1 copy);
6. Procedure:
(1). Individual application: Employees who have paid the housing provident fund apply to their units with the supporting materials that meet the conditions for the withdrawal of the housing provident fund;
(2) Preliminary examination of the unit: conduct preliminary examination on whether the applicant meets the extraction conditions and whether the corresponding certification materials are true. After verification, the unit will fill out the Application for Extraction of Housing Provident Fund;
(3) Unit application: The unit provident fund manager or applicant submits an application for withdrawal to the municipal first-class housing provident fund management center after the preliminary examination with the employee application certification materials and the application for withdrawal of housing provident fund;
(4) Examination and approval by the center: the municipal first-level housing provident fund management center checks the submitted certification materials and approves the withdrawal amount. If the initial password of the applicant's housing provident fund dragon card has been modified, it can be directly transferred and paid in the management center; If the applicant Longka has not changed the initial password, I can only handle the transfer payment in the management center after I change the initial password at the nearest CCB outlet with my ID card.
How to withdraw Changzhou housing provident fund without buying a house?
There are many ways to withdraw Changzhou housing provident fund without buying a house, but it is estimated that you may not be applicable.
take for example
1. Retire, retire;
Leave the city
3. Decoration, self-built house
4. Go abroad and so on
See Changzhou Provident Fund official website for details.
I hope it helps you.
How to extract Hefei housing provident fund? (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;
(five) to repay the principal and interest of the owner-occupied housing loan;
(six) the rent expenditure exceeds 5% of the family wage income;
(seven) living in difficulties, is receiving the city minimum living allowance;
(eight) the occurrence of unexpected events, causing serious difficulties in family life;
(nine) the termination of labor relations between migrant workers and units;
(10) Being sentenced to death, life imprisonment or fixed-term imprisonment, and reaching the statutory retirement age of the state after serving his sentence;
(eleven) dead or declared dead;
(twelve) other circumstances stipulated by the Hefei Housing Provident Fund Management Committee.
How to extract Deyang housing provident fund from the housing provident fund center can be specifically consulted. Resignation can be withdrawn with the purchase contract or decoration, depending on local policies.
What are the conditions for withdrawing housing provident fund? Housing provident fund collection meets the following conditions:
In the purchase, construction, renovation and overhaul of owner-occupied housing with ownership;
When retiring or reaching retirement age;
Completely lose the ability to work and terminate the labor relationship with the unit;
When the account moves out of the city or settles abroad;
Non-local employees are transferred from this city;
When employees repay the principal and interest of housing loans, they can withdraw the balance of housing provident fund to offset;
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, and the employee's housing provident fund account shall be cancelled at the same time.
Housing accumulation fund extraction process:
Application for individual withdrawal of housing provident fund (approval);
Original and photocopy of my ID card (original and photocopy of marriage certificate must be provided for husband and wife to extract);
For which type of provident fund is withdrawn, the required certification materials shall be provided according to the corresponding conditions.
What conditions do you need to withdraw cash from Feicheng housing provident fund? Workers in any of the following circumstances, and can provide legal and valid proof in accordance with the provisions, can apply for the withdrawal of the balance of their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing with ownership;
(2) retirement;
(three) completely lost the ability to work or severely disabled, and terminate or terminate the labor relationship with the unit;
(four) to settle abroad or to settle in Hong Kong, Macao and Taiwan;
(five) to repay the principal and interest of housing provident fund loans and commercial housing loans;
(six) the monthly rent of the rented house exceeds the monthly salary of the family 15%;
(seven) migrant workers or employees whose household registration is outside the jurisdiction of this Municipality and who have terminated their labor relations with their units;
(8) The employee is dead or declared dead;
(nine) are enjoying the minimum living guarantee for urban residents or poor relief treatment;
(ten) the urban workers and units in this city have not been re-employed for more than one year after the termination of labor relations;
(eleven) employees and family members have difficulties in family life due to major diseases or major injury accidents;
(twelve) due to natural disasters or other emergencies caused serious difficulties in family life.
How does Dongguan 20 16 withdraw housing accumulation fund? If the application conditions and materials are different, consult the local housing provident fund management center directly for specific business.
When employees withdraw housing provident fund, they must provide the application form for individual housing provident fund withdrawal stamped by the unit (in triplicate), the original and photocopy of the ID card of the extractor and other conditions-related certification materials. Such as: purchase contract, pre-sale contract, purchase invoice, bank loan contract, lease contract, rent invoice, retirement, original and photocopy of retirement certificate, original and photocopy of visa and passport, etc.
How to operate the housing provident fund? Under what conditions can I enjoy the housing provident fund treatment? First, the concept of housing provident fund
Housing accumulation fund is a long-term housing deposit paid by units and their employees, and it is the main form of monetization, socialization and legalization of housing distribution. The housing accumulation fund system is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed. Units and individual employees must fulfill their obligations to pay housing provident fund according to law. Housing provident fund paid by individual employees and housing provident fund paid by units shall be stored in special accounts and owned by individual employees. The units here include state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations.
Second, the legal characteristics of housing provident fund
First, it is cumulative, that is, although the housing provident fund is an integral part of employees' wages, it is not paid in cash, but must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented. The second is specificity. The housing accumulation fund shall be earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when the employee retires, dies, completely loses the ability to work and terminates the labor relationship with the unit or moves out of the original city can the housing provident fund be withdrawn from the account.
Third, the management of housing provident fund.
The management of housing provident fund shall follow the principles of decision-making of housing provident fund management committee, operation of housing provident fund management center, special account storage and financial supervision.
4. The use of housing provident fund
The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.
In any of the following circumstances, the employee 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.
Workers who have paid housing provident fund can apply for housing provident fund loans to 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.
Five, the provisions of the housing provident fund payment
The deposit ratio of employees and unit housing provident fund shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee, audited by the people's government at the corresponding level and approved by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government.
If the unit does not handle the registration of housing provident fund deposit for its employees or the establishment of housing provident fund accounts, the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed.
If the unit fails to pay or underpays the housing provident fund within the time limit, the housing provident fund management center shall order it to pay within a time limit; If the deposit is not made within the time limit, it may apply to the people's court for compulsory execution.
Six, the difference between housing provident fund loans and commercial loans.
Although the Measures for Entrusted Loans for Personal Housing Guarantees formulated by the housing provident fund management institutions and the Measures for the Management of Personal Housing Loans promulgated and implemented by financial institutions such as the People's Bank of China are all loans for people with insufficient housing funds, they are different. The specific differences are as follows:
First, the loan object is different. Housing mortgage loans issued by housing provident fund management institutions are for the depositors of housing provident fund and the retired employees of the deposit unit, and the loan objects must meet the following conditions:
● The housing accumulation fund has been continuously paid for 6 months or has been paid for more than 24 months and is still being paid.
● Have a stable occupation and income, and have the ability to repay the loan principal and interest.
● There is a house purchase contract or relevant supporting documents.
● Provide the guarantee method agreed by the housing provident fund management center and its sub-centers.
● Meet other conditions stipulated by the Housing Provident Fund Management Center.
Housing mortgage loans issued by general financial institutions should be natural persons with full civil capacity, that is, they are not limited to housing provident fund depositors and retired employees, that is to say, their target range is larger than the former.
Second, the loan amount is different. The maximum loan amount of housing mortgage loans issued by general financial institutions shall not exceed 80% of the purchase price.
Third, the loan procedures are different. Provident fund loans must first apply to the housing fund management center and accept the preliminary examination of the housing fund management center. After passing the preliminary examination, the housing fund management center shall issue a certificate before handling the provident fund loan. Therefore, the procedures of provident fund loans are more complicated than general housing loans. After signing the house purchase contract, the borrower can directly handle the commercial loan by providing relevant materials to the relevant bank agency or the developer who signed the cooperation agreement with the bank.
Fourth, the loan interest rate is different. The interest rate of provident fund loan is based on the interest rate of housing provident fund, plus the prescribed spread in accordance with state regulations.
Five, provident fund loans than commercial loans to collect assessment fees. Commercial loans do not need to be evaluated, but the purchase of commercial housing with provident fund loans must be evaluated, and the evaluation fee must be paid at present. Commercial loans cost more lawyer fees than provident fund loans. For commercial loans, law firms are entrusted to conduct credit investigation on borrowers, and lawyers charge 4‰ lawyer fees, while provident fund loans do not require individuals to pay lawyer fees.
Seven, the latest housing provident fund laws and regulations (text)
According to the Notice of the Ministry of Construction on Adjusting the Deposit and Loan Interest Rate of Individual Housing Provident Fund dated May 18, 2007 (J.J.G. [2007] 123), the deposit and loan interest rate of Beijing Housing Provident Fund Management Center has been adjusted since May 19, 2007. The relevant matters are hereby notified as follows:
I. The deposit interest rate of housing provident fund is adjusted as follows:
Unit: annual interest rate%
The project was deposited in the current year and carried forward from the previous year.
The interest rate before adjustment is 0.72 1.98.
The adjusted interest rate is 0.72 2.07.
Two. The interest rates of housing provident fund loans for different periods and grades are adjusted as follows:
Unit: annual interest rate%
Before adjustment
After adjustment
Term of entrusted loan
Interest rate (%)
Term of entrusted loan
Interest rate (%)
1-5 years (including 5 years)
5-30 years (including 30 years)
4.32
4.77
1-5 years (including 5 years)
5-30 years (including 30 years)
4.4 1
4.86
(1) According to the Notice on Issuing the Notice issued by the People's Bank of China (Yinfa [1998] 190), after May 19, 2007 (excluding), the original interest rate will still be implemented for housing provident fund loans with a term of less than one year (including one year). For housing provident fund loans with a term of more than one year, the original interest rate will still be implemented after May 19, 2007, and the adjusted housing provident fund loan interest rate will be implemented from June 65438+ 10/day (inclusive). For housing provident fund loans with different repayment methods, the new monthly repayment amount will be determined according to the corresponding repayment formula.
(2) For housing provident fund loans issued after May 19, 2007 (inclusive), the adjusted housing provident fund loan term and grade interest rate shall be implemented. According to the Measures of Beijing Municipality on Housing Provident Fund Loans and the Notice on Beijing Housing Provident Fund Management Center as the Accounting Subject of Personal Housing Guarantee Entrusted Loans and Adopting Free Repayment Method (J.F.F. Loan Yanzi [2004] No.95), the borrowers of housing provident fund loans with equal repayment and average capital repayment method will determine the new monthly repayment amount according to the repayment formula.
(3) For housing provident fund loans with loan contracts signed and loan date after May 19, 2007, housing provident fund loans can be issued only after the borrower signs the notice of adjusting the loan interest rate.
After receiving this notice, all units should conscientiously implement relevant policies. If there are any problems, please report them to the city center in time.
On July 20th, 2007, the Ministry of Construction issued J [2007] 177 to adjust the deposit and loan interest rate of individual housing provident fund:
1.From July 2, 20071day, the deposit interest rate of individual housing provident fund collected in that year was adjusted from the current 0.72% to 0.8 1%, and the deposit interest rate of individual housing provident fund carried forward from the previous year was adjusted from the current 2.07% to 2.34%.
2. From July 2, 2007, KLOC-0, the interest rate of individual housing provident fund loans was raised. The interest rates of individual housing provident fund loans for less than five years (including five years) and more than five years were raised by 0.09 percentage points. For less than five years (including five years), it will be adjusted from 4.4 1% to 4.50%, and from 4.86% to 4.95% for more than five years.