Rental housing provident fund extraction, employees and their spouses can fully extract a housing provident fund every year, the total amount of extraction shall not be higher than the total annual rent. When extracting, you need to submit the original ID card of the party concerned, as well as the joint card of housing provident fund or the extraction certificate of housing provident fund, and you need to fill in the extraction application form to successfully handle it.
Materials to be submitted for drawing provident fund from renting house:
(1) Identification materials: original ID card and joint housing provident fund card (employees without joint housing provident fund card should provide the withdrawal certificate of Chengdu housing provident fund signed by the unit in duplicate and their savings account).
(2) Proof of renting behavior: if renting a private house, provide the original and photocopy of the general tax payment certificate issued by the local tax department; If the housing management department directly manages public housing or other affordable housing, it shall provide the original and photocopy of the rent receipt issued by Chengdu Public Housing Management Center. Yesterday, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank jointly issued new regulations to relax the conditions for employees to withdraw housing provident fund to pay rent. Cancel the restriction on the proportion of rent expenditure to family income, and do not need to provide tax payment certificates and lease contracts for the record, nor do they need rent invoices. As long as employees have paid the housing provident fund in full for three months in a row, and my spouse and I do not own a house in the city where they have paid, they can withdraw the housing provident fund from both parties to pay the rent.
Rent a house and withdraw the provident fund several times a year.
Rent a house to withdraw the provident fund once a year, and the amount of each withdrawal shall not exceed the prescribed one-year withdrawal limit. The applicant shall withdraw the housing provident fund to pay the housing lease fee, and shall put forward it during the housing lease period, and go through the formalities for withdrawing the housing provident fund. Housing provident fund can be withdrawn once a month in the case of buying a house and using a mortgage, and the total amount of withdrawal shall not exceed the actual housing expenditure.
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What are the precautions for renting a house to withdraw the provident fund?
1. Handling without property right certificate: employees who deposit in Nanchang can log in to the homepage of Nanchang Real Estate Information Network or the "Online Office" column, click the "Nanchang Real Estate Information Inquiry" link, input relevant information, and issue the results of real estate information inquiry the next day. If the query result is no room, you can print the property information query form as proof of the query result of no room. Employees in Xinjian District, Nanchang County, Anyi County, Jinxian County and Wanli District need to issue a certificate of no real estate to the local real estate management department.
2. In principle, the withdrawal amount in the employee housing provident fund personal account is paid to the employee himself by transferring it to his bank card account. Employees applying for withdrawal of housing provident fund shall handle it by themselves. If you can't handle it yourself, you can entrust your spouse to handle it. The agent shall provide the original ID card of the agent. Relevant policies and business handling guidelines can be inquired through the website, WeChat official account, mobile APP or obtained from the management center.
What is the extraction process of housing provident fund rental?
1, which meets the conditions for housing provident fund withdrawal. Workers only need to pay the housing provident fund for three months in a row, and they can meet the extraction conditions, and they can confirm themselves without submitting supporting materials.
2. Under normal circumstances, provident fund management does not accept individuals to handle withdrawal business. Employees who need to withdraw the provident fund through renting houses should submit the original rental contract and fill in the withdrawal form of the provident fund to the relevant departments of their units, and can arrange the withdrawal only after approval.
3. After the approval is successful, the applicant only needs to go to the bank where he handles the provident fund card and withdraw the amount. Usually, the withdrawal limit of Beijing's provident fund is1January in 500 yuan, and it is withdrawn once a year.
How much provident fund can I withdraw from renting a house?
1. When applying to withdraw housing provident fund to pay the rent in the previous year, the total amount withdrawn by the extractor shall not exceed the total amount of rent actually paid in the previous year.
2. The extractor of public rental housing shall apply for extraction within one year from the date when the rent payment certificate is issued, and can extract it once a year (in the same calendar year).
3. For renting commercial housing, the deposit amount in personal account shall be kept for three months, and the personal withdrawal amount shall not exceed one third of my annual remittance amount (monthly payment amount × 12), and the height shall not exceed 10000 yuan. The balance of the provident fund account cannot be directly used to pay the rent, and can only be withdrawn after renting the house. At present, the management of provident fund includes monthly withdrawal, quarterly withdrawal and semi-annual withdrawal. It is suggested that the renter consult the unit clearly before returning the rent.
How many times can I withdraw the provident fund a year?
The balance of the provident fund can be taken several times a year according to the situation, such as:
1. The principal and interest of the mortgage can be paid once a month. After the customer repays the provident fund hedging loan, the balance of the provident fund will be automatically withdrawn for repayment on the repayment date of each month.
2. Rent a house and withdraw the provident fund once a year. If you rent a house to withdraw the provident fund, you will basically only withdraw the balance of the provident fund once a year.
3, decoration, your house is renovated once a year. Provident funds can be used to decorate or transform their own houses. In this case, the provident fund is also withdrawn once a year.
4. Retirement, living abroad or living in other cities can be paid in one lump sum. Customers who meet the above conditions can apply to the local provident fund center for one-time withdrawal of all the balance of the provident fund.
How to inquire about the balance of provident fund
1, online query
Log in directly to the website of the Municipal Housing Provident Fund Management Center. The account number is the card number on the joint housing provident fund card, and the password is the last four digits of the ID card +00. After logging in, you can query the balance of individual provident fund, individual provident fund details, personal loan progress, provident fund loan repayment details and so on.
2. Call the inquiry phone number 12329 to inquire by yourself.
The customer service hotline of housing provident fund management centers in most cities in China is 12329. Enter the personal housing provident fund account number or housing provident fund loan account number according to the voice prompt, and you can self-check the balance of personal housing provident fund account or housing provident fund loan account, and at the same time, you can query the laws, policies and handling regulations of housing provident fund.