1. If the paid-in employees and their spouses have no own houses in the paid-in city and rent a house, they can withdraw the housing accumulation fund of both husband and wife to pay the rent. Rental of public rental housing (low-cost housing), according to the actual rent in full; If the house is rented through the market, the monthly withdrawal amount shall not exceed 1500 yuan. Below this standard, the rent is extracted according to the actual expenditure.
Rental housing provident fund needs to be issued by the real estate information query results to prove that the real estate management department does not charge fees.
Forge contracts, issue false certificates, fabricate false leases, etc. , the center will notify the workers' work units, recover the fraudulent funds, and cancel the workers' eligibility to withdraw the housing provident fund and apply for individual housing loans from the housing provident fund within five years. At the same time, the center will disclose relevant information to the public according to law and incorporate it into the credit information system;
(1) The relevant units should severely deal with the institutions and personnel that assist in counterfeiting;
(2) If a crime is constituted, criminal responsibility shall be investigated according to law.
2. If the per capita income of the paid employee's family is lower than the minimum wage of the previous year, the housing provident fund can be withdrawn to pay the property management fee;
3. Employees who purchase houses can apply for withdrawing the housing accumulation fund of their parents and children to pay the down payment.
Housing accumulation fund is a 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.
If you apply for individual housing provident fund, the process is as follows:
1. The applicant brings relevant information to the management core for consultation, application and filling in the application form;
2. After the approval of the management core, issue a power of attorney to the applicant;
3. The applicant received the notice and brought all the originals to the bank to sign the contract. , and at the same time handle the relevant notarization procedures in the notary office;
4. The applicant should wait for the seller to seal the signed contract information;
5. The applicant holds the guarantee loan contract to the local real estate management office for mortgage registration;
6. The applicant holds the registered loan contract and notarial certificate to the housing provident fund service hall to receive the notice of transfer, and then holds the notice of transfer to the bank for transfer procedures.
To sum up, in fact, as long as the unit pays employees, they can generally apply now. If they pay a few hundred yuan a month, they can use provident fund loans when they need to buy a house in the future, and the approval procedures are simple and the interest rate is still very low.
Legal basis:
Article 24 of the Regulations on the Management of Housing Provident Fund
In any of the following circumstances, the employee may withdraw the storage balance 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.