The withdrawal of housing provident fund refers to the withdrawal of housing provident fund from personal accounts when the depositor has housing or other purposes permitted by the policy. The conditions for withdrawal of housing provident fund in Guangzhou are as follows: In any of the following circumstances, employees can apply for withdrawal of the storage balance in their housing provident fund accounts: (1) purchase, build, renovate or overhaul the owner-occupied housing with ownership; (2) Repaying the principal and interest of the house purchase loan; (3) renting a house for self-occupation; (4) Retirement (or reaching the statutory retirement age); (five) completely lose the ability to work, and terminate the labor relationship with the unit; (6) Having left the country to settle down; (7) Non-registered employees and units terminate labor relations; (8) The registered permanent residence moves out of this city and terminates the labor relationship with the employer; (9) Laid-off workers, male 45 years old (including 45 years old), female 40 years old (including 40 years old), laid-off and unemployed 12 months or more; (10) If an employee dies or is declared dead, his heirs and legatees may withdraw the balance stored in the employee's housing provident fund account.
Legal objectivity:
1. How to transfer the housing provident fund in Guangzhou: The unit should handle the transfer procedures of the housing provident fund account for the employees in case of unit adjustment or employee job change. The transfer of housing provident fund is divided into local transfer (within the system), transfer-out (transfer to remote or Guangzhou Railway sub-center and centralized storage households) and transfer-in (transfer-in from remote or Guangzhou Railway sub-center and centralized storage households). Before the unit or individual employee handles the transfer of employee housing provident fund account, the transfer-out unit must first handle the account sealing procedures for the employee (that is, the individual account must be sealed) before handling the account transfer procedures; From other provinces and cities or Guangzhou Railway Sub-center, the transferring unit must first open a housing provident fund account for employees before going through the transfer formalities. Before the employee moves to registered permanent residence, if his/her name and ID number are incomplete, he/she must provide relevant supporting materials and change his/her personal information before going through the transfer formalities. Handling process: 1. Local transfer: if the procedures are complete, they will be handled on the spot. 2. Transfer-out (transfer to another place or Guangzhou Railway Sub-center): the transfer-in place will issue the employee's deposit certificate-the unit or employee will provide the necessary materials-and the center's handling outlets will review and handle the transfer-in procedures (no more than 5 working days). 3. Transfer out (transfer to centralized sealed account): If the procedures are complete, it will be handled on the spot. 4. Transfer-in (transfer from another place or Guangzhou Railway Sub-center): the unit or employee issues employee deposit certificate at the central office and management department-the transfer center transfers or telegraphic transfer money to the account, and the information is complete-the unit or employee provides the necessary materials-the central office and management department review and handle the local transfer formalities (no more than 5 working days). 5. Transfer-in (centralized sealed household transfer-in): If the procedures are complete, it will be handled on the spot. Materials to be submitted: 1. Local transfer ① Original or on-the-job certificate of the employee's establishment of labor relations with the new unit (if the employee has multiple accounts, one of which is normally deposited in a certain unit, and other accounts need to be transferred to the account of the normal deposit unit, it is not needed); (2) Notice of Housing Provident Fund Transfer in duplicate (stamped with the official seal of the original unit); (3) For multi-person transfer, two copies of the Inventory of Housing Provident Fund Transfer (with the official seal of the original unit) are required (the above two forms were merged into the Personal Account Transfer Form of Housing Provident Fund on July 1 day, 2002, the same below); (4) If the employee handles it himself, provide a copy of the employee's personal ID card (and provide the original for checking); If handled by the handling personnel of the unit, the original ID card of the handler shall be presented, and a copy of the employee's personal ID card shall be provided (stamped with the official seal of the unit). When the unit needs to handle the local transfer of 50 or more employees, it is not necessary to provide a copy of the employee's ID card, but it must provide a copy of the unit's certificate and affix the official seal (indicating the details of the transferred employee: number, name, certificate number, provident fund account number, etc.). ) Ensure that the original information of the transferred personnel is true, legal and effective. If there is any mistake, the unit shall bear all the responsibilities. Note: If the employee's personal information is completely consistent, and can provide proof that the original unit has been cancelled or has not accepted the annual inspection of industry and commerce and the new unit for more than two years, the employee can directly transfer the account from the original unit to the new unit upon written application and filling in the transfer form; If the personal information is inconsistent, it is also necessary to provide proof of labor relations with the original unit. 2. Transfer out (transfer to a remote place or Guangzhou Railway Sub-center or centralized custodian) ① If you transfer to a remote place or Guangzhou Railway Sub-center, you need to provide the employee deposit certificate provided by the remote place or Guangzhou Railway Sub-center (indicate the contact telephone number of the remote center and the transferred employee), and you don't need to provide it if you apply to transfer to a centralized custodian; (2) Notice of Housing Provident Fund Transfer in duplicate (stamped with the official seal of the original unit); ③ For multi-person transfer, it is required to provide the Inventory of Housing Provident Fund Transfer in duplicate (stamped with the official seal of the original unit); (4) If the employee handles it himself, provide a copy of the employee's personal ID card (and provide the original for checking); If handled by the handling personnel of the unit, the original ID card of the handler shall be presented, and a copy of the employee's personal ID card shall be provided (stamped with the official seal of the unit). When the company needs to handle the business of transferring 50 or more employees to the centralized sealed account, it is not necessary to provide a copy of the employee ID card, but it must provide a copy of the company certificate and affix the official seal (indicating the details of the transferred employees: number, name, certificate number, provident fund account number, etc. ) Ensure that the original information of the transferred personnel is true, legal and effective. If there is any mistake, the company will take full responsibility. 3. Transfer-in (transfer-in from other places or Guangzhou Railway Sub-center, transfer-in from centralized custodian) ① Transfer-in from centralized custodian: provide the original proof of the establishment of labor relations between employees and new units; "Notice of Transfer of Housing Provident Fund" in duplicate (stamped with the official seal of the new unit); Many people transfer, provide two copies of the "housing provident fund transfer inventory" (stamped with the official seal of the new unit); An application form for the consolidation of employees' individual accounts (after the transfer, if the new unit has only one account, it is not required to provide it); ② Transfer in different places or Guangzhou Railway Sub-centers: Notice of transfer of housing provident fund in duplicate (stamped with the official seal of the new unit); Many people transfer, provide two copies of the "housing provident fund transfer inventory" (stamped with the official seal of the new unit); Note: Before handling the transfer formalities, the unit needs to open a personal account for the transferred employees under the unit account and issue a certificate of deposit of housing provident fund. Employees shall go to other places or Guangzhou Railway Sub-center with the certificate of deposit, and the transfer formalities can only be completed after the transferred funds arrive. (3) If the employee handles it himself, provide a copy of the employee's personal ID card (and provide the original for checking); If it is handled by the handling personnel of the unit, the original ID card of the handling person shall be presented, and a copy of the employee's personal ID card shall be provided (stamped with the official seal of the new unit). When the unit needs to handle the business of transferring employees of 50 or more centralized sealed households, it is not necessary to provide a copy of employee ID card, but it is necessary to provide a copy of the unit certificate and affix the official seal (indicate the details of the transferred employees: number, name, certificate number, provident fund account number, etc.). ) Ensure that the original information of the transferred personnel is true, legal and effective. If there is any mistake, the unit shall bear all the responsibilities. Handling location: all offices and management departments of the center, and the handling outlets of housing accumulation fund collection business of China Construction Bank, Industrial and Commercial Bank of China, Bank of China and Bank of Guangzhou. V. Beijing Housing Provident Fund Transfer 1. Procedures for transferring housing provident fund from Beijing Central Management Department to central state organs sub-centers and sub-centers of central state organs (1) When employees' housing provident fund is transferred from management department to central state organs sub-centers and sub-centers of central state organs, they must first open a personal account for housing provident fund in the new unit. At the same time, the handling personnel of the new unit should ask the local bank to print the "housing provident fund inquiry form" when opening an account. (2) The employee submits the inquiry letter to the original unit, and the manager of the original unit fills in the Notice of Housing Provident Fund Transfer supervised by Beijing Housing Provident Fund Management Center according to the relevant information of the inquiry letter, and submits it together with the inquiry letter to the subordinate management department for transfer procedures. The transfer business of each management department is uniformly distributed by Beijing Housing Provident Fund Management Center and transferred to the central government and branches of central state organs. (3) After receiving the remitted housing provident fund, the sub-center of the central state organ and the sub-center of the central state organ shall notify the new employee unit to handle the deposit formalities according to the relevant information in the Annex Notice on the Transfer of Housing Provident Fund. (4) Within 3 days after the employee's new unit receives the notice from the bank, fill in the Housing Provident Fund Deposit List and the Housing Provident Fund Remittance Form and submit them to the entrusted bank, and transfer the transferred funds to the employee's new personal account. 2. Procedures for Transfer of Housing Provident Fund of Central and Branches of Central State Organs to Beijing Central Management Department (1) When employee housing provident fund is transferred from Central and Branches of Central State Organs to Beijing Central Management Department, the new unit must first open an account in the management department and obtain the Certificate of Opening an Account for Housing Provident Fund Transfer issued by the management department. (2) The employee applies for the transfer of housing provident fund to the original unit with the Certificate of Opening an Account for the Transfer of Housing Provident Fund. The original unit issued the "Application for Housing Provident Fund Extraction", stamped with the seal of the unit, and handed it over to the entrusted bank for transfer. When filling in the application for housing provident fund withdrawal, attention should be paid to: the fund center fills in the name of the transfer-in management department, the payee fills in the full name of the transfer-in unit, the payee's account fills in the transfer-in unit number-new employee number, and the payee's bank fills in Jian 85. (3) After receiving the Application for Withdrawal of Housing Provident Fund, the bank will transfer the housing provident fund through remittance procedures, and issue the Housing Provident Fund Transfer List as an annex to transfer it to Beijing Housing Provident Fund.