Zaozhuang provident fund withdrawal process steps: if the borrower has applied for entrusting the withdrawal of housing provident fund to repay the loan on a monthly basis, the annual withdrawal business will no longer be handled; If the borrower and spouse return the loan abnormally or deposit the housing provident fund abnormally, the entrustment will be automatically terminated; Zaozhuang provident fund extraction process steps.
Zaozhuang provident fund withdrawal process steps 1 Applicant applies for withdrawal of housing provident fund. I apply, and the identity, authenticity and legality of the housing provident fund deposit are verified and sealed by my unit, and I apply to the center for handling.
The center is responsible for accepting applications from depositors to withdraw housing provident fund. Decide whether to approve the application within 3 working days after acceptance. If the withdrawal is approved, the center will transfer the withdrawal money to the application account through the entrusted bank.
Depository units shall not refuse to apply for withdrawal in accordance with the provisions of these measures under any excuse. Without the consent of the applicant, no unit or individual may impersonate or defraud the employee housing provident fund in any name.
It is strictly forbidden for any unit or individual to occupy or misappropriate employee housing provident fund. According to the Regulations on the Management of Housing Provident Fund, the Center correctly safeguards the legitimate rights and interests of employees, and will investigate the responsibilities of units and individuals that damage the legitimate rights and interests of employees according to law.
How to extract individuals?
1, house purchase withdrawal. Go to the housing provident fund management center and apply for full withdrawal of the provident fund.
2. Withdraw the house purchase loan. If there is no constraint on the repayment of the provident fund, you can withdraw the provident fund once a year to repay the loan.
3. Rent a house and withdraw the provident fund. You can use the rental contract to withdraw the provident fund, provided that the amount of the provident fund is less than one year's rent.
4. Extraction of house decoration. Provide the house decoration entrustment contract and related materials with the decoration company, and use the house decoration to extract your own provident fund.
5. The court decided to withdraw the provident fund. Transfer the money in the provident fund to someone else's provident fund account through a court decision, and withdraw the provident fund in disguise.
The second step of Zaozhuang provident fund withdrawal process is to withdraw the quota.
(1) If the loan is guaranteed by a guarantee company, and the existing balance in the personal account of the borrower and spouse exceeds 5% or more of the loan amount, you can apply for withdrawal of the part exceeding 100 yuan while handling the loan;
(2) If credit guarantee is adopted, if the existing balance of the personal account of the borrower and spouse reaches 5% and the existing balance of the personal account jointly with the guarantor exceeds the loan amount by more than 20% and exceeds 100 yuan, you can apply for withdrawing the excess repayment in the future when handling the loan;
(III) If the borrower and spouse apply for entrusting monthly withdrawal of housing provident fund to repay the principal and interest of the loan, they should sign the Power of Attorney for Entrusted Monthly Withdrawal of Housing Provident Fund to Repay the Loan with the Center when applying for the loan. From the second month of normal repayment, the Center will withdraw the loan from the personal account of the borrower and spouse on a monthly basis, and the part that is added in the current month and does not exceed the monthly repayment amount will be used to repay the loan principal and interest, and the insufficient part will be replenished by itself;
If the borrower has applied for monthly withdrawal of housing provident fund to repay the loan, it will no longer handle the annual withdrawal business;
If the borrower and spouse return the loan abnormally or deposit the housing provident fund abnormally, the entrustment will be terminated by themselves, and the borrower will repay the loan according to the loan guarantee contract;
(4) The borrower and spouse have not signed the "Power of Attorney for Entrusted Monthly Withdrawal of Housing Provident Fund to Repay the Loan" with the Center, and after the housing provident fund has been paid normally and the loan has been repaid normally for 12 months, they can apply to the Center for the newly paid amount after annual withdrawal of the loan, which shall not exceed the repayment amount during the period;
(5) After the loan is repaid normally for half a year, if the borrower applies to settle the loan principal and interest in advance in one lump sum, he can withdraw the part of the existing balance of the housing accumulation fund of himself and his spouse that does not exceed the total loan amount 100 yuan, and transfer it to the personal repayment account for settling the loan principal and interest in advance, and make up the insufficient part by himself.
The third step of Zaozhuang provident fund extraction process Zaozhuang Housing Provident Fund Management Center opened a comprehensive service platform for housing provident fund.
Using the technological innovation of internet plus, we will build a comprehensive service platform of "Smart Provident Fund", extend "counter service" to "network service", and launch portal website, online service hall, Weibo, WeChat, Alipay, mobile APP, SMS, 12329 service hotline, self-service terminal and nine Internet service channels.
It has realized the online operation of inquiry, collection, withdrawal and loan of provident fund, built an interactive bridge of "fingertip dialogue" with employees, and provided technical support for employees to handle "zero errands" in provident fund business. At the same time, the provident fund unit network hall and the developer network hall were opened, which realized the full coverage of the unit provident fund business online.
At the same time, the voice service hotline 12329 was launched in June this year at 5438+ 10, and has been upgraded. Residents can consult and apply for provident fund through system voice and manual hotline, and realize personal business of provident fund without leaving home.
Arrival time:
1, withdrawal of Jinan provident fund (retirement withdrawal, overseas withdrawal, unemployment withdrawal, etc.). ) will be received within 3 working days after acceptance;
2. The monthly entrusted withdrawal of commercial loans will be transferred from 10 to 12 every month from the month after acceptance (postponed in case of holidays);
3. The monthly entrusted withdrawal of corporate loans will be transferred from 15 to 17 every month from the month after acceptance (postponed in case of holidays).
Processing time:
Jinan government service housing provident fund hall: 9:00 to 17:00 on weekdays.
Provident fund window of Jinan Municipal Service Center: Monday to Friday from 9:00 to 17:00, Saturday and Sunday from 9:00 to 1 1:30, 13:30 to 17:00.
Provident Fund Window of Administrative Service Center of High-tech Zone: 9:00- 12:00 on weekdays, and 13:00- 17:00 on weekdays.
The provident fund shall be deposited in the bank's handling outlets: 9:00 to 17:00 on working days.