Wuhan Provident Fund Cooperative Bank is Hankou Bank, so it is necessary to update Hankou Bank Direct Bank APP for online withdrawal of provident fund. In addition, because online withdrawal of provident fund requires UKEY authentication and video authentication, users also need to open a certificate version of mobile banking, and must download Hankou Bank mobile banking APP.
First of all, users need to log in to Hankou Bank Direct Bank, enter "provident fund withdrawal" through the home menu, and then submit an application for provident fund withdrawal;
After completing the application, UKEY authentication and video authentication will be carried out in turn. If there is a spouse, spouse authorization authentication is required;
After the applicant completes the authentication authorization, he will go to the next step. The page will display personal information and account balance, enter the amount to be withdrawn, and it will be transferred to the user's electronic account in real time after approval.
What conditions do you need to withdraw the provident fund?
1. Buy a house
We all know that the provident fund is used to buy a house. If you buy a house in full, the provident fund can be withdrawn at one time. If you buy a house with a commercial loan, the withdrawal of provident fund can also be used as the down payment of the house; If you don't have to pay the down payment, you can also use the provident fund to repay the loan and repay the loan interest.
2. Architecture and house decoration
If it is used to build a house or decorate a house, you can also withdraw the provident fund, but the amount of the provident fund withdrawn cannot exceed the cost of building a house.
pay a rent
For renters, the provident fund can also be used as rent in the case of insufficient funds. Under normal circumstances, you can withdraw the provident fund after paying the provident fund continuously for 3 months. But at this time, the provident fund is withdrawn on a monthly basis. Personal income certificate and house lease contract shall be provided when withdrawing, and the withdrawal amount shall not exceed the monthly payment amount.
4. Treatment cost
If a family member is hospitalized due to illness or surgery, he can withdraw the housing provident fund as the cost of treating major diseases, and the amount of withdrawal cannot exceed the part of the hospitalization expenses borne by the individual.
5. Termination of labor relations
At present, the population flow in big cities is very fast. If you are not registered in this city and want to leave the local area after dissolving the labor relationship with the unit, you need to provide the original and photocopy of the certificate of dissolving the labor relationship between the employee and the unit if you want to withdraw the provident fund.
retire
Employees who want to withdraw provident fund after retirement need to provide retirement certificates to withdraw.
What are the benefits of buying a house with provident fund?
1. Low loan interest rate
We all know that the interest rate of commercial loans is higher than that of provident fund loans. Compared with commercial loans, provident fund loans not only save a lot of interest, shorten the repayment period, but also reduce the repayment amount, which also relieves our repayment pressure to some extent.
2. Low down payment pressure
When we buy a house, the maximum commercial loan can only be 70%, and the maximum provident fund loan can be 95%. Using provident fund loans, the pressure on buyers to buy a house is greatly reduced, and the pressure on repayment is also reduced. For property buyers, the benefits of provident fund loans are very great.