1, the materials are incomplete, and relevant materials are needed to extract the rental provident fund, mainly including the housing provident fund joint card, ID card and other materials. Different uses require different materials to extract the provident fund. If the preparation is incomplete or the materials are untrue, the extraction will not pass;
2, do not meet the extraction conditions, the extraction of housing provident fund must meet the relevant conditions in order to successfully extract. If you completely lose your ability to work but have not terminated your labor relationship, the withdrawal will not pass.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
The characteristics of housing provident fund are as follows:
1, universal, urban workers, regardless of the nature of their work units, family income, and whether they have housing, must pay the housing provident fund in accordance with the provisions of the Regulations;
2, mandatory (policy), the unit does not apply for housing provident fund deposit registration or does not set up housing provident fund accounts for employees of the unit, the housing provident fund management center has the right to order it to handle within a time limit, fails to handle, can be punished according to the relevant provisions of the "Regulations", and may apply to the people's court for compulsory execution;
3. Welfare: In addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans;
4. Repayment: the employee retires, resigns, or completely loses the ability to work and terminates the labor relationship with the unit, and the household registration moves out or settles abroad. The paid housing provident fund will be returned to individual employees.
laws and regulations
Regulations on the administration of housing provident fund
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-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.