First of all, the preconditions
1, in any of the following circumstances, and can provide legal and valid proof according to the regulations, you can apply for withdrawing the storage balance in your housing provident fund account;
2, the purchase, construction, renovation and overhaul of owner-occupied housing with ownership;
3. Retired;
4, completely lose the ability to work or severe disability, and terminate or terminate the labor relationship with the unit;
5. Settle abroad or settle in Hong Kong, Macao and Taiwan;
6, to repay the principal and interest of the purchase of owner-occupied housing loans;
7. The monthly rent of the rented house exceeds15% of the monthly salary of the family;
8, migrant workers and units to terminate (terminate) labor relations;
9. The employee dies or is declared dead;
10, who is enjoying the minimum living guarantee or special hardship relief for urban residents;
1 1, who has not been re-employed for more than one year after terminating the labor relationship with the unit;
12. Employees and family members have difficulties in family life due to major diseases or major injury accidents;
13. Family life is seriously difficult due to natural disasters or other emergencies.
Second, provide relevant certification materials.
1. When employees apply for withdrawal of housing provident fund, they should provide their ID card and a copy;
2, the purchase of pre-sale commercial housing (including affordable housing), provide the "commodity house pre-sale contract" and the first payment receipt; The purchase of second-hand housing, provide the "real estate sales contract" and "deed tax payment certificate"; Purchase of demolition and reconstruction, provide the "demolition and reconstruction agreement" printed by the municipal real estate management department and the receipt;
3. For self-built, renovated or overhauled self-occupied houses with property rights, the planning, construction documents or identification certificate of dangerous houses approved by the administrative department or real estate management department of the undertaking bank (we are CCB), the construction contract signed by the property owner and the construction unit, the original project budget and final accounts or the "Property Ownership Certificate" shall be provided;
4, retired, should provide proof issued by the personnel and labor department; If the retirement certificate cannot be provided, the relevant certificate issued by the personnel and labor department or the pension certificate shall be provided;
5. If employees and their families have difficulties in life due to major diseases or major injury accidents, they should provide the diagnosis certificate and medical records issued by medical institutions above Grade II and Grade A, the patient's medical insurance card and the invoice for the current treatment expenses. If a non-employee is sick, a marriage certificate or proof of kinship should also be provided;
6, completely lost the ability to work or severe disability, and the termination of labor relations with the unit, should provide proof of termination of labor relations with the original unit, the city (county) labor ability appraisal committee issued by the labor ability appraisal conclusion or hospital certificate;
7. If you leave the country to settle down, you shall issue an approval form for those who leave the country to settle down, or a valid certificate for leaving the country to settle down issued by the public security organ;
8 to repay the housing loan, the loan balance certificate issued by the loan issuing bank as of the deadline for applying for withdrawal shall be provided. Among them, to repay the commercial housing loan, it shall also provide the commercial housing loan contract signed by the borrower and the loan issuing bank;
9, enjoy the city minimum living guarantee, should provide the "city residents minimum living guarantee certificate" or other valid documents provided by labor, trade unions and other departments;
10. If the rent is paid, the house lease registration certificate or house lease agreement, rent payment invoice and family income certificate issued by the unit or relevant departments shall be provided;
1 1. If the family life is seriously difficult due to natural disasters or other emergencies, it shall provide the emergency certificate issued by the relevant departments of the people's government at or above the county (district) level, large expenditure bills and income certificates of employees and other family members.
12, migrant workers or employees whose household registration is outside the jurisdiction of this Municipality who terminate their labor relations with their units shall provide proof of termination of labor relations with their units and proof of household registration;
13. If an employee dies or is declared dead, a certificate of death or being declared dead shall be provided. If it belongs to the legal heir of the deceased, provide the heir's identity card, household registration book and legal inheritance certificate; If it belongs to the designated heir or legatee of the deceased, a notarized certificate of designated inheritance and the identity card of the heir or legatee shall be provided;
14. If the employee has not been re-employed after terminating the labor relationship with the unit for more than one year, he shall provide the certificate of termination of the labor relationship with the unit or unemployment certificate;
15. In case of applying for withdrawal of housing accumulation fund for spouse and immediate family members at the same time, in addition to the materials required to meet the above conditions, the ID card, marriage certificate, household registration book or kinship certificate and photocopy of spouse and immediate family members should also be provided.
16. When the agent withdraws the housing provident fund, it shall provide the written power of attorney issued by the extractor, the trustee's ID card and a copy thereof in addition to the materials required to meet the above withdrawal conditions.
Third, receive the transfer.
1. If you are at work, you can apply to the unit for withdrawal of housing provident fund with the receipt. If the unit will verify the certificate, it will issue a valid certificate for withdrawing the provident fund;
2. Then apply to the provident fund management department for withdrawal with the original and photocopy of the certificate and the certificate of withdrawal of the provident fund issued by the unit. The provident fund management department will generally make a decision on whether to approve the withdrawal within 3 days from the date of accepting the application, and notify the applicant. If the withdrawal is not approved, the provident fund management department will also inform the applicant of the reasons for not allowing the withdrawal.
3. If it is approved for withdrawal, the employee can go through the withdrawal formalities at the undertaking bank with the ID card and the provident fund withdrawal certificate approved by the provident fund management department, and the bank will transfer the money into the designated account (generally within 3 days).
(The above answers were published on 2013-11-04. Please refer to the actual situation for the current purchase policy. )
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