Extraction conditions of housing provident fund in chibi city
Basic conditions: If one of the following conditions is met, employees can apply for withdrawing the storage balance in the housing provident fund account:
1. Purchase, build, renovate and overhaul owner-occupied housing;
2. Repay the principal and interest of the owner-occupied housing loan;
3 low-income households included in the minimum living guarantee for urban residents in this Municipality;
4 continuous unemployment for more than two years, and the per capita monthly income of the family is lower than the minimum wage standard of local employees in that year;
5. The employees themselves, their parents, spouses and children suffer from serious diseases (chronic renal failure, malignant tumor, aplastic anemia, chronic severe hepatitis, heart valve replacement, coronary artery bypass surgery, intracranial tumor craniotomy, major organ transplantation surgery, aortic surgery and other nine serious diseases), resulting in serious difficulties in family life.
6. Settle abroad and in Hong Kong, Macao and Taiwan;
7. retired;
8. In any of the following circumstances, terminate the labor relationship with the unit:
(1). The registered permanent residence moves out of this city;
(2) Non-registered employees leave the city and migrant workers return to their original places;
(3) complete loss of working ability.
9. There is no room to rent self-occupied housing in this city (including low-rent housing, public rental housing and commercial housing).
Additional conditions:
1. If an employee dies or is declared dead, his successor or legatee may withdraw the storage balance in the employee's housing provident fund account. If there is no heir or legatee, the balance stored in the housing provident fund account of the deceased employee shall be included in the value-added income of the housing provident fund.
2. If the employee meets the basic conditions for withdrawing housing provident fund in the present Measures (Item 1 and Item 2), the spouse and the owner of housing property can withdraw the storage balance in their housing provident fund account at the same time.
3. Workers, spouses and housing property rights * * * If someone has not settled the housing provident fund loan, the extracted housing provident fund should be first used to repay the principal and interest of the housing provident fund loan, and other housing types will no longer be accepted before the housing provident fund loan is paid off.
Extraction conditions of non-housing categories such as retirement in Chibi
Extract material
Here, Bian Xiao divides the materials needed for extraction into five categories:
1. Buy materials for new commercial housing in Chibi.
2. Chibi buys stock houses (second-hand houses) to extract materials.
3 Chibi housing provident fund rental materials
Including rental of private housing, rental of public housing or other affordable housing, rental of public housing units.
4 Chibi provident fund other housing extraction materials
Including the purchase of resettlement houses, the purchase of units to raise funds to build or reform houses, the construction of self-occupied houses, the renovation or overhaul of self-occupied houses, and the repayment of housing loans.
5 Chibi provident fund non-housing extraction materials
Including retired, seriously ill, unemployed people from low-income families, low-income households, total loss of working ability, foreign hukou, leaving the country to settle down, moving out of the city, dying or declaring death.
At the same time, Bian Xiao also provides you with instructions for downloading the withdrawal form of provident fund and filling in the sample form:
Chibi housing provident fund withdrawal application form
Sample Form of chibi city Housing Provident Fund Withdrawal Application Form
Withdrawal limit
Can be completely extracted
1. Settled abroad, Hong Kong, Macao and Taiwan; Retired; In any of the following circumstances, terminate the labor relationship with the unit; The account moves out of the city; Non-registered employees leave the city and migrant workers return to their original places; If the employee is completely incapacitated and dies or is declared dead, it shall be handled as cancellation of the account.
2. If the labor relationship is terminated with the unit, and the relevant conditions for extraction are met, and the employee is not re-employed at the time of extraction, the account will be cancelled.
Partially extractable
1. The total withdrawal amount of owner-occupied housing purchased, built, renovated or overhauled shall not exceed the expenses paid for the purchase, construction, renovated or overhauled owner-occupied housing, and the withdrawal amount shall be 100 yuan (withdrawal amount).
2 To repay the principal and interest of the owner-occupied housing loan, the accumulated withdrawal amount of the husband and wife and the total property right of the house shall not exceed the actual repayment of the loan principal and interest (excluding the penalty interest).
3. Low-income households that are included in the minimum living guarantee for urban residents in this city or have been unemployed for more than two years in a row, and their monthly per capita income is lower than the local minimum wage standard for employees in that year, the withdrawal shall not exceed the balance stored in the housing provident fund account, and the withdrawal amount shall be 100 yuan.
4 employees and their parents, spouses, children suffering from nine major diseases cumulative extraction shall not exceed the personal burden of treatment costs.
5. The maximum annual withdrawal amount of self-occupied housing (including low-rent housing, public rental housing and commercial housing) in this city is 15000 yuan. The total withdrawal of employees and their spouses shall not exceed the total housing rent actually paid in the current period, and the withdrawal amount reaches 100 yuan.
Extraction time
Time limit for procurement category extraction
1. The purchase, construction, renovation and overhaul of owner-occupied housing can be handled within one year of purchase.
2 to repay the principal and interest of the owner-occupied housing loan, which can be extracted once a year.
Select a time limit for the lease category.
1. If you rent a self-occupied house (including low-rent housing, public rental housing and commercial housing) without a house in this city, you should apply once a year.
Small knowledge of provident fund: how to handle provident fund loan procedures
Whether buying a new house or a second-hand house, the provident fund loan must be prepared with ID card, household registration book, proof of provident fund deposit (printed in the provident fund management center of CCB with ID card), income certificate, house sales contract, real estate license, land certificate, deed tax payment form and down payment certificate.
As long as the new house has the above information, it can be loaned to any bank.
If the second-hand house is before 2000, you can find a bank loan. If it is before 2000, find a professional bank loan guarantee company, because it is difficult for individuals to get a letter of guarantee.