According to the regulations, we know that the housing provident fund can be used to buy a house, but we need to apply to the relevant departments for withdrawal. 1. How to withdraw Changzhou provident fund If one of the following conditions is met, you can apply to the Housing Provident Fund Management Center for withdrawal of the provident fund: (1) Buying, 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. Second, how to withdraw the provident fund According to the provisions of Article 24 of the Regulations on the Management of Housing Provident Fund issued by the State Council, employees can withdraw the storage balance in the employee's housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (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. Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures. Three. How to borrow provident fund (I) loan conditions The loan applicant must meet the following conditions at the same time: 1. Employees with permanent residence in cities and towns or valid residence certificates; 2. At the time of application, the housing provident fund has been normally deposited in the provident fund center for more than 6 consecutive months, and the provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of provident fund loans; 3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than the proportion of the value of the purchased housing; 4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit; 5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor; 6, other conditions stipulated by the provident fund center. (II) Loan Process First-hand housing loan process: the borrower submits personal application materials at the entrusted bank window in the loan service hall-the entrusted bank accepts and examines them-the center approves them-the guarantee company handles the guarantee procedures and issues a guarantee letter of commitment-the borrower signs a loan contract at the bank with the guarantee letter of commitment-and the borrower handles the entrusted notarization procedures. Second-hand housing loan process: the buyer and the seller submit application materials to the entrusted bank window in the loan service hall-entrust the bank to accept, conduct preliminary examination-evaluate the company's inspection and issue an evaluation report-entrust the bank to review-central approval-the borrower signs a loan contract at the bank-the buyer and the seller go through the formalities of property right transfer-and the borrower receives new property rights. (3) Loan materials 1, original and six copies of the second-generation ID card or military officer's card. 2. Original and 6 copies of the household registration book (home page and applicant's home page). 3. Original and 6 copies of marriage certificate (marriage certificate, divorce certificate, single scene statement). 4. Two originals (three originals are required for suburban property) and three copies of the filing form stamped by the developer. 5. Two originals and two copies of the house purchase contract. 6. Two originals and two copies of the annex or supplementary agreement to the house purchase contract. 7. Original and 3 copies of down payment receipt and credit card POS or cash receipt. 8. The original and 1 copy of the borrower's family housing registration record information certificate (employees applying for loans in urban areas can print 2 copies of the family housing registration record query results at the consultation counter of the urban management department). 9. Provide a set of original advance notice registration procedures with fresh seal (not allowed to be altered) to the developer. 10, entrusted deduction (repayment) account: the original and 1 copy of the savings card or passbook of the loan handling bank selected by the main borrower. 1 1, proof of income: customers who have not paid the housing provident fund should provide the original proof of income (which can be downloaded from the center website) and three copies; Among them, customers with a monthly income of more than 3,500 need to provide the original and 3 copies of bank running water or tax payment certificate 1 year. 12. proof of deposit: employees who have paid the provident fund in provincial sub-centers and petroleum sub-centers must provide the original deposit details and proof of deposit (deposit inquiry form) and 1 copy of their housing provident fund accounts in the past six months, and the housing provident fund accounts should be in a normal state. 13, other relevant information required by the provident fund management center.
Legal objectivity:
Article 25 of the Regulations on the Management of Housing Provident Fund
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.