1. Prepare materials in advance: You need to provide relevant materials to withdraw the provident fund, generally including ID card, household registration book, provident fund account information, withdrawal application form and relevant supporting materials. Different types of provident fund extraction materials may be different, depending on local policies;
2. Go to the housing provident fund management center: after obtaining the required materials, go to the local housing provident fund management center, and generally need to carry valid certificates such as ID cards for authentication;
3. Fill in the withdrawal application form: in the housing provident fund management center, you need to fill in the withdrawal application form of provident fund, and indicate the withdrawal reason, amount and collection account and other related information on the form;
4. Submit materials and application forms: submit the required materials and completed application forms to the Housing Provident Fund Management Center for review;
5. Waiting for the audit result: The housing provident fund management center will audit the withdrawal application, and after the approval, the provident fund will be credited to the provided collection account within the agreed time. If the audit fails, the housing provident fund management center will inform the specific reasons and ask the applicant to supplement the materials or modify the application content.
Provident fund to buy a house needs to meet the following requirements:
1. Deposit the provident fund for one year: you need to deposit the provident fund for one year before you can apply for withdrawal.
2. There is a balance in the provident fund account: if you use the provident fund to buy real estate, you need to have enough balance in the provident fund account and you can withdraw it according to local regulations;
3. Real estate qualification: the purchased real estate needs to meet the conditions stipulated by the local provident fund policy. For example, some urban provident funds can only be used to buy self-occupied houses, and the area, price and purchase time of houses have corresponding regulations;
4. Good personal credit: If you need a loan to buy a real estate, you need to have a good personal credit record, and the loan amount and duration should also comply with local policies and regulations.
To sum up, the provident fund policies in different regions may be different, and the specific requirements need to be determined according to local policies and regulations. Before buying real estate, it is best to consult the local housing and urban-rural construction department or provident fund management center for relevant policies and requirements to ensure that the conditions are met and the purchase can proceed smoothly.
Legal basis:
"Regulations" of housing provident fund management sixteenth
The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
Article 18
The deposit ratio of employees and unit housing provident fund shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.