2. Renting, which is used to pay the economic rental housing rent with rent or government rent subsidy, and pay the market rental housing rent.
3, treatment of major diseases, family members suffering from major diseases or major surgery hospitalization, employees and their spouses can apply for withdrawal of housing provident fund, the application date should be within one year after discharge, the total withdrawal can not exceed personal expenses.
4. The minimum living allowance or the special hardship certificate can be withdrawn, and employees can be included in the minimum living allowance or special hardship support for urban residents. Employees themselves and their spouses can apply for the withdrawal of housing provident fund, and the withdrawal amount shall not exceed the amount of housing provident fund included in the minimum living guarantee or the scope of poverty relief and before.
5. Withdraw the parents' provident fund to buy a house. If you don't use housing loans to buy a house, you can withdraw your parents' provident fund, use personal housing loans from commercial banks to buy a house, withdraw your parents' provident fund after paying the down payment, and use personal housing provident fund loans to buy a house.
6. For the construction, renovation or overhaul of houses, and the unused housing loans for the construction, renovation or overhaul of self-owned houses on rural collective land, employees and their spouses can apply for withdrawal of the amount of housing provident fund before the month when the construction or renovation of houses is approved, and the total withdrawal amount shall not exceed the cost of construction or renovation of houses.
Extended data:
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
The definition of housing provident fund includes the following five aspects:
(1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.
(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
(5) The housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure according to regulations, which has two characteristics:
First, it is cumulative, that is, although the housing provident fund is an integral part of employees' wages, it is not paid in cash, but must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.
The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when the employee retires, dies, completely loses the ability to work, terminates the labor relationship with the unit or moves out of the original city can the housing provident fund in his account be withdrawn.
According to China's regulations, all enterprises, whether state-owned or private, must deposit and pay housing provident fund for their employees.
nature
(1) security, the establishment of employee housing provident fund system, which provides a guarantee for employees to solve housing problems faster and better;
(2) Mutual assistance, the establishment of housing provident fund system can effectively establish and form mechanisms and channels for employees with housing to help employees without housing, and housing provident fund can help employees without housing in terms of funds, which reflects the mutual assistance of employee housing provident fund;
(3) In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.
References:
Baidu encyclopedia-housing accumulation fund