1, employee housing provident fund extraction, first apply to the unit, after the unit audit is true, fill in the Application Form for Housing Provident Fund Extraction (in duplicate) and the Detailed List of Housing Provident Fund Extraction (in duplicate), and affix the official seal and financial seal;
2. The handling personnel or individual employees of the deposit unit hold the original and photocopy of their ID cards, the application form for housing provident fund withdrawal, the detailed list of housing provident fund withdrawal and the original and photocopy of relevant certification materials to the provident fund center for withdrawal;
3. The person in charge or the individual employee returns the transfer check to the financial department of the unit, and the financial department pays the employee cash according to the listed amount.
Housing provident fund has several purposes:
1, loan to buy a house.
To buy affordable housing or commercial housing, you can use provident fund loans, and the interest will be less than ordinary commercial loans. Commercial loans can draw provident fund for down payment or repayment of principal and interest. Generally, you can buy a house with a provident fund loan after paying for more than 6 months.
2. Rent a house.
The provident fund can pay the rent for renting a house.
3. Parents buy houses for their children or treat major diseases.
If you use a commercial loan to buy your own house, you can withdraw your parents' provident fund after paying the down payment, use a personal housing provident fund loan to buy your own house, and withdraw your parents' provident fund after paying the down payment. Or family members withdraw provident fund to pay hospitalization expenses.
4. Provident fund can be withdrawn at one time.
You can withdraw it in one lump sum before closing the account. For example, retirement, retirement, and going abroad to settle down.
The advantage of using provident fund loans is that the housing provident fund paid by employees and the provident fund paid by the unit belong to employees. Interest can be rolled. Enjoy tax exemption. Interest on home loan is reduced. For example, if the loan is RMB 6,543,800+0.2 million with a term of 30 years, all interest can be saved by using the equal repayment method. Fifth, you can repay the loan in advance.
To sum up, the original ID card and bank card of the applicant; According to the following different situations, provide the original and photocopy of relevant certification materials (the photocopy is A4 paper, 1 copy): provide the certificate of termination of labor relations between employees and the unit: the certificate of termination of labor relations or unemployment certificate (stamped for 6 months).
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.