Provident fund withdrawal process is as follows:
1. Submit a written loan application to the bank and submit a copy of the original ID card, an application form for withdrawal of housing provident fund, house ownership certificate, deed tax payment certificate and other related materials.
2. Sign loan contracts and guarantee contracts.
3. Sign the entrusted deduction agreement and open an account.
4, with the consent of the lending bank, provident fund loans.
The second suite can use the provident fund. Under normal circumstances, when buying the first suite, if the buyer has used the provident fund loan, but the provident fund loan has not been paid off, then when buying the second suite, the buyer cannot use the provident fund loan or use the provident fund to repay the mortgage.
Conditions for withdrawal of provident fund:
1, purchase self-occupied housing, and provide proof of purchase contract and agreement.
2, the purchase of owner-occupied housing, provide the approval documents or other documents of the administrative departments of construction, land and so on.
3. If you retire, provide proof of retirement.
4, completely lost the ability to work and terminate the labor relationship with the unit, provide proof of complete loss of labor ability and proof of termination of labor relations.
5, after the termination of labor relations with the unit, not re employment for five years, to provide proof of unemployment.
6. if you leave the country to settle down, provide proof of leaving the country to settle down.
7, account out of the administrative region of this province, provide proof of migration.
8. If the principal and interest of the house purchase loan are repaid, the house purchase loan contract shall be provided.
9. Pay the rent, provide proof of salary income and house lease contract.
10, migrant workers and units to terminate the labor relationship, provide proof of household registration and proof of termination of labor relationship.
1 1. Other circumstances specified by the housing provident fund management center.
To sum up, the housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
Legal basis:
Regulations on the administration of housing provident fund
Article 13
The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.
The unit shall go to the housing provident fund management center for the registration of housing provident fund deposit, and after being audited by the housing provident fund management center, set up a housing provident fund account for its employees at the entrusted bank. Each employee can only have one housing provident fund account.
The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.