2. Online cash withdrawal: the depositor of the provident fund needs to withdraw cash in the relevant software.
The withdrawal of provident fund can only be carried out after certain conditions are met.
(1) For house purchase withdrawal, you can apply to the housing provident fund management center for full withdrawal of the provident fund;
(2) Withdrawing the house purchase loan, you can withdraw the provident fund to repay the loan once a year, without binding the provident fund to repay the loan;
(3) Rent a house to withdraw the provident fund, and you can take the lease contract to withdraw the provident fund;
(4) Extraction of house decoration: provide the house decoration entrustment contract signed with the decoration company and related materials, and use the house decoration to extract your own provident fund.
What conditions need to be met for the withdrawal of provident fund?
The conditions to be met for withdrawing the provident fund are as follows:
1. Employees who have continuously paid the housing provident fund in full for 6 months and whose payment status is normal shall purchase ordinary self-occupied housing within the administrative area of this Municipality;
2. Reach the statutory retirement age stipulated by the state;
3. Satisfy good credit, have stable economic income, and have the ability to repay the loan principal and interest in full on schedule;
4. Meet the requirements that the applicant and * * * have no purchase records with the applicant, and the first home is the first loan;
5. Comply with the legally and effectively registered house purchase contract, and pay the down payment invoice or down payment receipt with additional payment voucher according to the specified proportion;
6. Meet the guarantee recognized by the housing provident fund management center and the entrusted bank;
7. Meet other conditions stipulated by the housing provident fund management center and the entrusted bank.
I hope the above content can help you. Please consult a professional lawyer if you have any other questions.
Legal basis: Regulations on the Management of Housing Provident Fund
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage 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.
Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
Twenty-sixth 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. The risk of housing provident fund loans shall be borne by the housing provident fund management center.