1. Click on the Application Form for Housing Provident Fund Withdrawal to enter the download page (including the tutorial for filling out the form).
2. My ID card.
3. Withdraw the applicant's bank passbook or savings card (one of China Construction Bank, Industrial and Commercial Bank of China, China Bank, Guangzhou Bank, Agricultural Bank, China Everbright Bank, Rural Commercial Bank, Ping An Bank, China CITIC Bank, Industrial Bank and China Merchants Bank).
4. Relevant supporting materials:
(1) Non-mortgage purchase of owner-occupied housing:
(1) Purchase a first-hand property, and the application date shall not exceed two years from the date of paying the last house payment, and provide the purchase contract and purchase invoice registered by the municipal (or district) real estate transaction registration department; Property ownership certificate, deed tax payment book or deed tax payment certificate are required.
(2) If you buy a second-hand house, you should apply within two years from the date of obtaining the deed tax payment book (or deed tax payment certificate), and provide the real estate license and deed tax payment book (or deed tax payment certificate).
(3) If the land acquisition compensation is purchased to increase the housing area (within two years from the date of obtaining the invoice for increasing the housing area), an agreement on house demolition and resettlement and an invoice for increasing the housing area shall be provided.
④ If you buy an auction house, the procedure is the same as "② Buy a second-hand building without mortgage".
Note: If the deed tax payment book (or deed tax payment certificate) does not indicate the "purchase amount", a purchase invoice is required.
(2) Repaying the principal and interest of the house purchase loan: apply within the repayment period. Provide the purchase contract (if the real estate license has been handled, provide the real estate license), loan contract and purchase invoice (if the second-hand house is provided, provide the deed tax payment book (or deed tax payment certificate).
(3) Self-built house: apply within the validity period of approval, and provide the land use certificate (or real estate license) approved by the urban construction department at or above the town (township), the approval document of the planning department at or above the town (township), and the invoice or receipt of the construction cost.
(4) Renovation and addition of self-occupied housing: Apply within the approved validity period, and provide approval documents, property certificates, invoices or receipts for renovation or addition of housing from urban construction departments above the town (township).
(5) Overhaul of self-occupied housing: apply within the validity period of examination and approval, and provide the housing safety appraisal certificate (the degree of housing damage needs to be serious or dangerous), the real estate property certificate, and the invoice or receipt of housing repair expenses issued by the housing safety appraisal department at or above the town (township) (or an appraisal institution with appraisal qualification).
Extraction program:
1. Employees who meet the above conditions shall go to the bank where the housing provident fund is opened to collect and fill in the withdrawal application form, and go through the examination and approval formalities with relevant certification materials.
2. If you buy a self-occupied house, repay the principal and interest of a house loan or rent a house for self-occupation, after the first examination, the bank that opened the account will issue the Registration Certificate of Guangzhou Housing Provident Fund Withdrawal, and then go through the withdrawal formalities with the Registration Certificate of Guangzhou Housing Provident Fund Withdrawal.
3. If the original unit is revoked, dissolved or bankrupt, and the employee housing provident fund is managed by the superior competent department, when the employee withdraws the housing provident fund, the superior competent department shall verify and add an opinion, and go through the audit procedures at the bank with relevant certification materials; If there is no superior competent department and the employee housing provident fund is managed by Guangzhou Housing Provident Fund Management Center, the relevant certification materials shall be submitted to Guangzhou Housing Provident Fund Management Center for review.
Extended data:
If there are two property owners and the relationship is husband and wife, and the share of property rights has been clearly defined in the house (or purchase contract), individuals can withdraw the amount according to the share of property rights; If the share of property rights is not clear, the amount that an individual can withdraw need not be divided, and both husband and wife enjoy it together; If one party fails to pay the housing provident fund, it shall also operate in accordance with the above measures.
Example 1: Only two people, A and B, are husband and wife. The real estate license (or house purchase contract) clearly stipulates that Party A accounts for 60% and Party B accounts for 40%, so the total amount withdrawn by Party A and Party B is 60% and 40% of the total house price respectively. If A fails to pay the housing accumulation fund, B can only withdraw 40% of his own name.
Example 2: There are only two people, A and B, who are husband and wife. If there is no clear division of property rights in the real estate license (or house purchase contract), then both parties will enjoy all the extractable amount of the house without division; If either Party A or Party B fails to pay the housing provident fund, the individual withdrawal amount does not need to be divided, but is fully withdrawn by the paying party. If the party fails to pay in the future, the same cashier will be added. ?
Housing has two property owners and is not a husband and wife relationship, and one of the property owners has not paid the housing provident fund, and the extractable amount can be divided into:
If there are two property owners and the relationship is not husband and wife, regardless of whether the property owners pay the housing provident fund or not, if the share of property rights has been clearly defined in the real estate license (or purchase contract), the amount that individuals can withdraw is divided according to the share of property rights; If the share of property rights is unclear, the amount that an individual can withdraw shall be calculated on average according to the number of property owners.
Example 1: The real estate license (or house purchase contract) is composed of Party A, Party B and Party C, with a clear division of labor, with Party A accounting for 10%, Party B accounting for 30% and Party C accounting for 60%, of which Party C has not paid the housing accumulation fund, so the personal withdrawal amounts of Party A and Party B are 10% of the total house purchase price and respectively. In the future, Party C will pay the housing provident fund, and after adding the same extractor, 60% will be extracted in proportion under his own name.
Example 2: There are three people on the real estate license (or house purchase contract): A, B and C, among which C has not paid the housing accumulation fund and has not clearly divided the share of property rights of the three people, so the amount that individuals can withdraw is equally divided, that is, each person can withdraw one-third of the total house price; In the future, C will pay the housing provident fund, and after adding the same extractor, one third of his name will be extracted in proportion.
References:
Guangzhou Housing Provident Fund Management Center-Notes on Handling Housing Provident Fund Withdrawal Business