1, individual application:
(1) application;
(2) Fill in the Approval Form for the Extraction of Housing Provident Fund and the Certificate of Deposit of Housing Provident Fund;
(3) Provide original vouchers and copies for the record.
2. Unit audit
(1) Review the authenticity, legality and completeness of relevant certification materials provided by individuals;
(2) Sign the opinion and affix the official seal on the Approval Form of Housing Provident Fund Extraction.
3, housing provident fund management agencies for approval:
(1) Check the relevant supporting materials provided;
(2) the approved withdrawal amount;
(3) Collecting archival materials;
(4) Sign the approval opinions on the Approval Form for Housing Provident Fund Extraction and the Certificate for Housing Provident Fund Deposit, and affix the special seal for housing provident fund extraction and approval.
4. Go through the withdrawal formalities
(1) Housing provident fund withdrawal method: transfer in the same city, transfer to the account of the employee's unit, and transfer to the employee's provident fund center by wire transfer or remittance from other places;
(2) If an individual withdraws the loan principal and interest for repayment, the housing provident fund management institution will directly transfer the transfer check issued by the loan bank to the special account opened for the borrower to repay the loan principal and interest, and can withdraw it once a year. In other cases, the housing provident fund management institution may transfer the cheque to the account of the employee's unit, and then the unit will withdraw cash and pay it to the individual employee.
What are the conditions for withdrawing housing provident fund?
1. If there is no householder to pay the rent, it can be withdrawn;
2, terminate or terminate the labor relationship with the unit, the account has been sealed for more than 6 months or the housing provident fund has been suspended for more than 24 months and the account has been sealed, you can withdraw;
3. Retirement can be withdrawn;
4, enjoy the minimum living guarantee, can be extracted;
5, purchase, construction, renovation or repayment of principal and interest of owner-occupied housing mortgage loans, can be extracted;
6. If you leave the country to settle down, you can withdraw it.
What are the requirements for housing provident fund withdrawal?
1, housing provident fund can be withdrawn once a month in the case of buying a house and using a mortgage, and the total amount of withdrawal shall not exceed the actual housing expenditure;
2. Withdraw the housing accumulation fund in the case of one-time payment for house purchase. Workers and their spouses can withdraw the housing provident fund in full once every quarter, up to four times a year;
3, self-built, overhaul occupied housing, renovation housing extraction of provident fund, the total extraction does not exceed the actual expenditure;
4, rental housing provident fund extraction, employees and their spouses can fully extract a housing provident fund every year, the total amount of extraction should not be higher than the total annual rent.
Legal basis: Article 9 of the Regulations on the Administration of Housing Provident Fund.
The housing provident fund management committee shall perform the following duties in the housing provident fund management:
(a) according to the relevant laws, regulations and policies, formulate and adjust the specific management measures of housing provident fund, and supervise the implementation;
(two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund;
(three) to determine the maximum loan amount of housing provident fund;
(four) approval of housing provident fund collection and use plan;
(five) to consider the housing provident fund value-added income distribution plan;
(six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.