Before the provident fund loan, there is no need to withdraw the provident fund at one time.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan issued by local housing provident fund management centers to housing provident fund depositors who purchase, build, renovate and overhaul their own houses and retired employees who pay housing provident fund during their employment.
According to the regulations, employees who have paid housing provident fund for more than a certain period of time can apply for provident fund loans when the funds for purchasing, building, renovating and overhauling their own houses are insufficient.
The conditions of the loan are:
Employees of this unit have signed labor contracts for more than 3 years (or signed 1 year labor contracts for 3 consecutive years);
Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age;
The borrower has a stable economic income and the ability to repay the principal and interest;
The borrower agrees to handle the mortgage registration and insurance;
Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers;
At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
Second, the first withdrawal of the provident fund to repay the mortgage, can it be fully withdrawn?
Extraction has the following conditions:
One is to resign and withdraw, which can be withdrawn at one time.
Second, the purchase withdrawal: If the down payment (the down payment is the transaction amount filed by the Housing Authority-the bank loan amount) is greater than the balance of your provident fund, you can withdraw it in one lump sum.
Third, mortgage repayment withdrawal: it is necessary to print out the repayment flow and repayment bank card balance. If the total amount paid is greater than the balance of your provident fund, you can withdraw it at one time.
3. Is it necessary to withdraw the provident fund in one lump sum before the provident fund loan?
Well, if you use a provident fund loan, you can withdraw the provident fund as a down payment. The following is the loan application process of Nanchong City: the second-hand house is located in the third district under the jurisdiction of the city). The application for housing provident fund loan approval and the above 1-9 materials are submitted to the loan department of our center for preliminary examination. After pre-agreeing to the loan, go through the transfer formalities with the housing management and land department. Go to the provident fund and submit the deposit certificate of the provident fund. Apply for a loan formally at the center with the application approval and the above information. 2. With the approval pass, go to the entrusted bank to sign loan contracts and other loan procedures. 3. After the mortgage registration and other loan procedures are completed, the entrusted bank lends money to the supervision account of the housing management department for trading funds. 3. Warm reminder to check the original and copy (paper type is 16). 2. The time limit for loan application is: the certificate of deposit and the certificate of housing status shall not exceed two months; The "single certificate" does not exceed one month. 3. If the applicant is single, it is required to provide a single certificate issued by the marriage management department where the household registration is located; Divorced and not remarried, a valid divorce agreement or people's divorce judgment (mediation) should also be provided. Withdraw the housing accumulation fund from the personal account of the applicant and spouse. 5. In case of policy adjustment, the above required information will be changed accordingly. Four. Contact the Telephone Loan Committee 222357, 2666 168 Shunqing District 350 194 Jialing District 3634809 Langzhong City 6306606 nanbu county 5582298 Xichong County 42368 1203 Peng 'an County 8600.
Fourth, can the first housing provident fund be completely withdrawn?
According to the state regulations, after paying the provident fund, if the relevant conditions are met, the housing provident fund in the account can be withdrawn.
Under normal circumstances, the housing provident fund is not allowed to be fully withdrawn, and it can only be fully withdrawn under special circumstances such as resignation, transfer and retirement. According to the "Regulations on the Management of Housing Provident Fund", employees can withdraw the storage balance in their housing provident fund accounts under any of the following circumstances: first, purchase, build, renovate or overhaul their own houses; The second is to repay the loan principal and interest for the purchase and construction of self-occupied housing; Lease owner-occupied housing for the third time, and the rent exceeds a certain proportion of family wage income; Fourth, retire; Fifth, go abroad to settle down; The sixth employee is dead or declared dead; Seventh enjoy the city minimum living guarantee; Eighth completely or partially lose the ability to work, and terminate the labor relationship with the unit; You can only withdraw provident fund once a year. Workers who withdraw housing provident fund for the purchase, construction, renovation and overhaul of self-occupied housing shall withdraw housing provident fund within 1 year after the signing of the purchase contract and agreement. Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-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.