It is influential to rent a house to withdraw the provident fund, because it will affect the customer's provident fund loan amount. Under normal circumstances, the customer's provident fund loan amount is 10- 20 times of his account balance. Compared with commercial loans, provident fund loans can indeed save interest expenses for customers. Therefore, if customers intend to use provident fund loans, they should be cautious when withdrawing them.
1, which will affect the amount of provident fund loans. The amount of provident fund loan is calculated according to the account balance within the maximum limit required by the local housing provident fund management center. The balance of the provident fund account will directly affect the loan amount. The lower the balance, the lower the loan amount.
2. There are certain reasons for withdrawing housing provident fund. If the user withdraws the housing accumulation fund on the grounds of renting a house, then the user will not be able to rent a house again to withdraw the accumulation fund within two years.
3. It will affect the appraisal of the second suite. Those with housing records, loan records or housing accumulation fund records can be identified as second suites, which will directly lead to an increase in the down payment ratio when handling mortgages.
Matters needing attention in drawing provident fund 1. When employees request to withdraw housing provident fund, they should provide their ID card and a copy;
2. For self-built, renovated or overhauled self-occupied houses with property rights, residents should provide the planning and construction documents or dangerous house judgment certificate agreed by the administrative department, authoritative department or real estate management department of the undertaking bank (we are the Construction Bank) and choose one of them. The construction contract signed by the property owner and the construction unit, with the original contract, project budget and final accounts and "Property Ownership Certificate";
3. Employees and family members who have serious illness or serious injury accidents and are under great pressure shall provide the diagnosis certificate and medical records issued by secondary and above medical institutions, as well as the patient's medical insurance card and the invoice of current medical expenses. If a non-employee is sick, if he is not himself, he should also provide a marriage certificate or proof of contact with relatives;
4. Purchase pre-sold commercial housing (including affordable housing). These people, the existing "Commercial Housing Pre-sale Contract" and the down payment receipt, have these conditions; The purchase of second-hand housing, the supply of "real estate sales contract" and "deed tax payment certificate", as the basic proof; The purchase of demolition and reconstruction houses, the purchase of such houses, provide the "demolition and reconstruction agreement" printed by the municipal real estate management department and the receipt of the house payment;
5. Retirement, if the household registration belongs to this situation, the retirement certificate issued by the personnel and labor departments should be provided as relevant proof; If the retirement certificate cannot be provided, under special circumstances, the relevant certificate or pension certificate issued by the personnel and labor department shall be provided;
6, pay the rent, should provide the rental registration certificate or rental agreement, which can choose one, pay the rent invoice, family income certificate issued by the unit or the relevant departments;
7. If you leave the country for a long time, you should issue a long-term exit form or a useful certificate issued by the public security organ;
8. Completely lost the ability to work or severe disability, contact with the unit to stop working, no longer have work contact, should provide proof of contact with the original unit, that is, the unit where I worked, the conclusion of labor ability judgment issued by the city (county) labor ability judgment Committee or the hospital certificate;
9. If the house is returned to apply for a loan, a certificate issued by the bank applying for the loan shall be provided, and if necessary, it shall be issued by the bank. In the meantime, the return of commercial housing loans should be classified as commercial, and the loan contract for commercial housing signed by the loan applicant and the loan issuing bank should also be provided;
10. If an employee dies or is declared dead, a certificate of death or being declared dead shall be provided to prove that he is dead. If it belongs to the legal heir of the deceased, the heir with legal interests shall provide the heir's identity card, household registration book and legal inheritance certificate; If the decedent appoints an heir or legatee, if this is the case, he shall provide the heir or legatee with a notarized designated inheritance certificate and identity card;
1 1. Those who enjoy the minimum living allowance for villages and towns shall provide the Minimum Living Guarantee Certificate for Urban Residents or other useful certificates provided by labor, trade unions and other departments;
12. If you have stopped working with the unit for more than one year and have not resumed work, if you have no work, you should provide proof of exemption from work or unemployment certificate;
13. If family life is seriously difficult due to natural disasters or other unexpected events, and the economic pressure is high, it shall provide an emergency certificate issued by the relevant departments of the people's government at or above the county (district) level, a large expenditure document, and proof of income of employees and other family members.
14. If the housing provident fund is withdrawn on behalf of the company, that is, with the help of a third party, in addition to the materials required to meet the above withdrawal conditions, the written power of attorney issued by the extractor, the trustee's ID card and a copy shall also be provided.
15. If the household registration of migrant workers or employees is outside the jurisdiction of this Municipality, they will stop working with their units and no longer have employment contact, and provide proof of exemption from work and household registration;
16. Requirements for the joint withdrawal of housing provident fund for the lover and immediate family members. If there is no direct relationship, in addition to the information required to meet the above conditions, the basic necessary information of the lover and immediate family members should be provided, such as ID card, marriage certificate, household registration book or proof of contact with relatives and their copies.