We know that many places help employees pay the provident fund, but many of them can apply for withdrawal after payment, but many people don't know how many times they can withdraw it. The following small series will tell you how many times the housing provident fund can be taken.

How many times can I withdraw the housing provident fund?

The extraction of housing provident fund is also divided into different situations, and the amount of extraction is also different, as follows:

1. In the case of buying a house and using a mortgage, you can withdraw it once a month, but remember that the total amount of withdrawal cannot exceed the actual housing expenditure.

2. In the case of one-time payment, employees and their spouses can also withdraw housing provident fund once every quarter, and only four times a year at most.

3, self-built, overhaul from housing, decoration, etc. , the total withdrawal amount cannot exceed the actual expenditure.

4, rent extraction, employees and their spouses, then they can fully withdraw the housing provident fund once a year, but we must know that the total amount of their annual withdrawal can not be higher than the total annual rent.

Matters needing attention in provident fund withdrawal

1, employees and their families will face great pressure because of serious illness or serious injury accidents, so it is only useful to provide diagnosis certificates and medical records issued by medical institutions above Grade II A at this time, as well as patients' medical insurance cards and invoices for current medical expenses. Non-employees get sick themselves. In this case, it is enough to provide a marriage certificate or proof of contact with relatives.

2. Purchase pre-sold commercial housing, including affordable housing. These people can be said to have filed the "Commodity House Pre-sale Contract" and the down payment receipt, but these conditions must be met; When buying a second-hand house, this house will provide the Real Estate Sales Contract and the Deed Tax Payment Certificate as the basic proof.

3. Self-built, renovated or overhauled self-occupied houses also require property rights. For example, if this is the case for residents, then at this time, we also need to provide the planning agreed by the administrative department, authoritative department or real estate management department of the undertaking bank (we are CCB), and we also need some construction documents or dangerous house judgment certificates. One of these two options is enough.

Summary: Let me introduce the relevant contents about how many times the housing provident fund can be taken. This extraction condition also depends on the actual situation, so there is no uniform standard for extraction.

How many times can the housing provident fund be withdrawn a year?

Calculate how much it will cost to decorate your home.

Now all units and some enterprises have the benefits of paying five insurances and one gold, including housing accumulation fund, which is a housing fund specially provided for people's housing. How many times can the housing provident fund be withdrawn? Friends who want to know may wish to have a look with Bian Xiao!

A, housing provident fund can be withdrawn several times a year.

Housing provident fund can be withdrawn several times a year, mainly depending on the nature of housing loans, as follows:

1. The commercial loan can be withdrawn in one year 1 time.

If you choose a commercial loan to buy a house, you can withdraw the provident fund once a year, and each time you can withdraw the repayment amount of the previous year.

2. The housing loan can be withdrawn 1 time a year.

To repay the housing loan and withdraw the housing provident fund, you can withdraw the provident fund transfer once a year, but the amount in the withdrawal provident fund account shall not exceed one year to repay the principal and interest of the housing loan.

3. Rent can be withdrawn 1 time every year.

If you purchase a house and withdraw the provident fund, you can withdraw the provident fund once a year, but the amount you withdraw cannot exceed one year's rent.

4. The construction and decoration of owner-occupied housing can only be extracted at one time.

For the construction and decoration of housing provident fund, the amount of individual housing provident fund can only be withdrawn at one time, but the amount withdrawn cannot exceed the cost of housing construction and decoration.

Second, the materials needed to extract the provident fund

1. One original and one copy of the applicant's ID card for provident fund withdrawal.

2. Provident fund withdrawal applicant's original household registration book 1 copy, first page copy 1 copy, and my page copy 1 copy.

3. One original and one copy of the applicant's resignation certificate.

4 provident fund joint card number or personal savings account number.

5. Fill in the "Application Form for Housing Extraction" and "Extraction List" and affix the seal reserved by the unit.

Bian Xiao concluded: The above are how many times you can withdraw the housing provident fund and the materials you need to withdraw the provident fund. I believe after reading the above sharing, you will have a corresponding understanding. For more information, please keep an eye on Qijia. Bian Xiao will answer them one by one.

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Can the provident fund be withdrawn multiple times?

Calculate how much it will cost to decorate your home.

As we all know, the interest rate of provident fund loans is much lower than that of commercial loans. So many people will use provident fund loans when buying a house. But some people don't know much about provident fund loans. So can the provident fund be withdrawn multiple times? What are the precautions for buying a house with provident fund loans? Let's take a look!

Can the provident fund be withdrawn multiple times?

The number of withdrawals from the provident fund depends on the situation. If the house is not used for mortgage, you can withdraw the provident fund once a month, but the total amount of withdrawal cannot exceed the actual housing expenditure; Secondly, if you buy a house at one time, you can withdraw the provident fund in full every quarter, but only four times a year; Finally, renters can withdraw the housing provident fund in full once a year, but the total amount withdrawn each year cannot be higher than the total annual rent.

What are the precautions for buying a house with provident fund loans?

1, the first point of buying a house is to check the developer's qualifications, especially the developer's development experience and scientific and reasonable development methods. A good developer can not only guarantee the quality of real estate, but also make the house have better value-added space.

2. When buying a house, make a correct estimate according to your actual economic strength, and make a suitable choice for the loan amount according to your repayment ability. Don't listen to the temptation of the seller, but be firm in your choice and judgment.

3. It is very important to buy a house with a loan and choose a bank for the loan. Therefore, it is necessary to consult several banks to choose from the aspects of loan interest rate, term and loan conditions.

4. If you plan to buy a house and use the provident fund, it is best not to use the money in the provident fund account before, because if the balance in the provident fund account is taken before the loan, if the account balance is zero, you cannot apply for a provident fund loan.

Summary: The above is about how to withdraw provident fund for many times and what matters should be paid attention to when buying a house with provident fund loans, hoping to bring help to friends in need. If you need to know more about it in the future, please pay attention to Qijia. com。

Enter the area and get the decoration quotation for free.

Enter the area and get the decoration quotation for free.