Extraction condition
1. Employees who purchase, build, renovate or overhaul their own houses, repay the principal and interest of loans for their own houses, or rent houses within a natural year can only choose one house to apply for housing accumulation fund for one of the housing consumption behaviors.
Since 2002110 year10 8, employees who have applied for two or more houses in the past five years, or who currently own two or more houses in this city, may not apply for the third or more houses. 202 1 654381October 8, employees who have gone through the house purchase withdrawal may not apply for the house purchase withdrawal again with this house.
2. If the same house has applied for the housing provident fund loan of the center, the deposit balance not included in the loan amount can be used to pay the down payment. The house shall not be used for down payment if the employee has applied for a loan from the central provident fund before 202 1 1 8 and the loan has been accepted.
3 employees' housing consumption and application for housing provident fund, the housing address should be consistent with the prefecture-level administrative region where the employee's or spouse's household registration or work is located. If the address of the purchased house is within the administrative areas of Chengdu, Deyang, Meishan and ziyang, the application for withdrawal of housing provident fund is not restricted by the domicile or work place.
4. The work place certificate is issued by the employer and stamped with the official seal or personnel management seal of the employer. If the employee housing provident fund is paid by a human resources company or a labor dispatch agency, it shall also issue a statement of the situation and affix its official seal.
Two. Repayment of principal and interest of owner-occupied housing loan
Extraction condition
1. Employees who purchase, build, renovate or overhaul their own houses, repay the principal and interest of loans for their own houses, or rent houses within a natural year can only choose one house to apply for housing accumulation fund for one of the housing consumption behaviors.
Chengdu Provident Fund Withdrawal Process 2022
It can be handled through the online channel of Chengdu Provident Fund APP and the offline service window of the center. Among them, employees can also sign a monthly withdrawal agreement with the center to automatically withdraw the account balance every month to repay the principal and interest of the owner-occupied housing loan.
Enter official website of Chengdu Housing Provident Fund Management Center or download Chengdu Provident Fund app for processing.
Chengdu provident fund mobile APP mainly supports the following functions:
1. Support personal basic information inquiry, deposit information inquiry, loan information inquiry, deposit details printing, off-site deposit certificate printing and other housing provident fund information inquiry and printing.
2. Support housing provident fund business such as house purchase withdrawal, monthly loan repayment signing (cancellation), rental withdrawal, housing loan principal and interest repayment, withdrawal (retirement), resignation withdrawal, loan application, contract signing, off-site transfer and early repayment.
3. Support convenient services such as reservation, intelligent customer service, loan spreadsheet, service outlet inquiry, number information inquiry and news information.
Deposited employees can search for "Chengdu Provident Fund" through the mobile app store to download and install, or use the mobile browser, WeChat or Alipay to scan the QR code below to download and install.
Can I withdraw the provident fund after the Chengdu provident fund loan?
You can withdraw the provident fund after the Chengdu provident fund loan. After your provident fund loan comes down, you can repay 12 months, and then withdraw the provident fund at one time. The amount withdrawn is the principal and interest of your loan last year.
How to withdraw Chengdu provident fund?
Housing accumulation fund is a public fund set up by the state to ensure the residence of employees. Its main use is for living expenses. Therefore, it is proved that it can be used to purchase houses, rebuild and expand houses and rent houses, and all of them can be extracted. In addition, the Chengdu Provident Fund Management Center also stipulates that if a major disease or major disaster causes difficulties in life, it can also be withdrawn. Provide relevant certification materials and collect them at the bank counter where the provident fund card is processed.
First, the purpose of housing provident fund is to force employees to store housing funds and ensure their living conditions. Therefore, strict regulations have been made on the use and withdrawal. If you want to withdraw, you must prove that the withdrawn funds are used for the specified purpose. For example, renting a house requires a lease contract; If you buy a house, you need to have a purchase contract. Specific extraction materials need to consult the bank that issued the provident fund card.
Second, since the beginning of this year, the management of provident fund has become relatively loose. In addition to housing, Chengdu provident fund can also provide hospitalization expenses, retirement certificates, resignation certificates and other materials, and can also withdraw provident fund.
Part of the provident fund paid by the company or the employee himself belongs to the employee, and the employee has the right to withdraw it. In order to encourage residents to invest and plan their lives, the government has stipulated the corresponding withdrawal conditions and provided preferential loans for provident fund. Interest rates are much lower than commercial loans. If you have a plan to buy a house, it is not recommended to take it casually. If you really need to extract it, prepare the materials according to the bank's information list and go to the counter to extract it.
According to the "Chengdu housing provident fund leasing business management measures".
1. Employees may apply for withdrawal of their own and their spouses' housing accumulation fund under any of the following circumstances: (1) Purchase, build, renovate or overhaul their own houses;
(2) Repaying the principal and interest of the house purchase loan;
(3) renting a house for self-occupation;
(4) I or my spouse Liang Wang, parents and children suffer from serious diseases, causing serious difficulties in family life;
(5) Suffering from sudden major natural disasters, causing serious difficulties in family life;
(six) included in the scope of the minimum living guarantee for urban residents in this Municipality.
2, employees in any of the following circumstances, you can apply for my housing provident fund:
(1) retired;
(two) completely lose the ability to work and terminate the labor relationship with the unit;
(three) to settle abroad or to settle in Hong Kong, Macao and Taiwan;
(4) termination of labor relations with the unit for two years without employment, and family life is seriously difficult;
(five) the termination of labor relations with the unit and not re employment, men over 50 years of age, women over 45 years of age, family life is difficult;
(6) Non-Chengdu registered employees and units terminate their labor relations and leave the city, while Chengdu registered employees and units terminate their labor relations and their household registration moves out of the city;
3. If an employee dies or is declared dead, his successor or legatee shall apply for withdrawing the storage balance in the employee's individual housing provident fund account.
Chengdu provident fund loan policy
Legal analysis: 1. Loan amount and term: 1. Increase the calculation coefficient of loan amount. The calculation coefficient of loan amount is increased from 30% of the deposit base of housing provident fund to 50%. 2. Comprehensive calculation of loan withdrawal. Employees who purchase self-occupied housing and apply for loans to withdraw housing provident fund shall not exceed the total purchase price. Housing provident fund withdrawal should be handled in one lump sum before applying for a loan. 3. Extend the loan term. The loan period is extended to 5 years after the borrower's statutory retirement age. 2. Loans from different places in the province: If employees and their spouses work in Dongying or have registered permanent residence, and pay housing provident fund normally in other cities in the province to buy self-occupied housing in Dongying, they can provide relevant certification materials issued by the housing provident fund center where they paid, and apply for loans in our city. Housing provident fund is normally deposited in the housing provident fund management center of our city. If you work in other cities in the province, you can apply for a loan in our city if you buy a self-occupied house at your work unit. The loan guarantee in different places in the province is implemented according to the loan policy in different places.
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 their housing provident fund accounts:
(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.
What are the procedures for the withdrawal of Chengdu provident fund?
Materials required for withdrawal of housing provident fund: 1, valid identity documents of the borrower and spouse (if any), and household registration book (the second-generation identity card needs to be copied on the back page, and the household registration book should be copied on the title page, home page, borrower and spouse page). 2. Marriage certificate: if unmarried, the marriage registration office at the place where the household registration is located will issue a single certificate; Divorce certificate and non-remarriage certificate (divorce certificate, judgment or ruling, non-remarriage certificate issued by the marriage registration office where the household registration is located); Married people provide marriage certificates. 3. The original purchase contract signed by the borrower and the selling unit. 4. The loan application form filled out by the borrower and his/her spouse (married) * * *, the deposit certificate of housing provident fund issued by the unit, the proof of salary income, and the borrower's bank card have been in the past year. 5. The down payment receipt delivered by the borrower to the selling unit in advance shall not be less than the amount stipulated in this agreement. 3. Procedures for withdrawal of housing accumulation fund: 1. The borrower can submit a written loan application and submit relevant materials to the loan bank, which will submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval; 2, approved by the housing provident fund management department of the borrower, and the loan bank signed a loan contract and guarantee contract, mortgage registration, insurance, notarization and other related procedures; 3. The loan contract stipulates that the loan bank will transfer the loan to the special account for selling houses set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank; 4. The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract; 5. After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation formalities at the original mortgage registration department.
This concludes the detailed introduction of Chengdu Provident Fund loan withdrawal and Chengdu Provident Fund loan withdrawal. I wonder if you found the information you need from it?