how to extract the provident fund on the mobile phone

1. download a local mobile phone provident fund APP.

2. Log in with your own provident fund account number and password, bound mobile phone number and Alipay, and select the city where you live at the top of the page.

3. after logging in, click "account inquiry" below, and then you will see the balance in the provident fund account. Click "provident fund account information" to view the monthly deposit amount, deposit base and other detailed information.

4. If you want to withdraw, you must return to the "Business Handling" option on the home page, and we will see the corresponding provident fund withdrawal.

5. After the provident fund withdrawal page opens, there will be seven options. You can choose the corresponding reason according to your own situation to withdraw.

how much provident fund can be withdrawn from buying a house

1. The monthly withdrawal amount from renting a house should not exceed 5% of the amount payable in the month of application, and the monthly withdrawal amount of not more than 12 months can be withdrawn every year. The withdrawal amount for other housing consumption shall not exceed 3% of the total amount of employee housing provident fund that should be paid within 12 months before the application for withdrawal.

2. The withdrawal amount for purchasing a house with ownership or building, renovating or overhauling a house with ownership within the scope of this Municipality shall not exceed the storage balance in the account at the time of application, and shall not exceed the total purchase price.

3. If the employee and his family members own two or more houses in total, the withdrawal amount shall not exceed 6% of the balance stored in the account at the time of application, and shall not exceed the total purchase price.

4. If the loan principal and interest of the housing with ownership in this city are repaid, and the employee and his family members have only one housing in total, the monthly withdrawal amount shall not exceed the actual repayment amount of the employee last month.

5. If the employee and his/her family members have two or more houses in total, the monthly withdrawal amount shall not exceed 6% of the amount payable in the month of application.

6. Housing accumulation fund is not allowed for the third house.

what should I pay attention to when buying a house with provident fund?

1. Pay attention to the deposit.

If you want to use provident fund loans to buy a house, buyers must have a clear understanding of the local provident fund loan conditions. Not all friends who have paid personal provident fund loans can apply for provident fund loans. Under normal circumstances, buyers need to pay housing provident fund loans in full for six consecutive months or accumulated for more than one year. Buyers should also pay attention to the balance in the provident fund account. If the balance in the provident fund account is not much, the loan amount may be very low. Of course, the regulations in each place are different.

2. Pay attention to the usage times.

If you have used provident fund loans before, it doesn't mean that buying a house now still meets the conditions of provident fund loans, because provident fund loans are limited in number. As a welfare policy for employees, housing provident fund was originally set up to meet the needs of families with new needs. If you have applied for provident fund loans, there will be corresponding records in the system of the provident fund center. As long as your loans have not been paid off, you or your spouse cannot apply for provident fund loans again.

3. Pay attention to personal credit information.

No matter what kind of loan, banks attach great importance to the borrower's personal credit information. Even if they use provident fund loans to buy a house, buyers should check whether there is any problem with their credit information before applying for provident fund loans. In this credit society, it is very important to maintain good personal credit, because your daily life will be affected by it, let alone applying for a house loan.