First step prerequisite
1. In any of the following circumstances, and can provide legal and valid certificates according to the regulations, you can consult your unit and 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 losing the ability to work or severely disabled, which is one of the common situations, and dissolving or terminating 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 or family members have accidents due to major diseases, or serious injuries, and family life is difficult;
13. Family life is seriously difficult due to natural disasters or other emergencies.
Step 2: Provide relevant certification materials.
1. When employees apply for withdrawal of housing provident fund, they should provide their ID card and a copy;
2. Purchase pre-sold commercial housing (including affordable housing). For these people, the Commodity House Pre-sale Contract and the down payment receipt meet these conditions; The purchase of second-hand housing, provide the "real estate sales contract" and "deed tax payment certificate" as the basic proof; The purchase of demolition and reconstruction houses, the purchase of such houses, provide the demolition and reconstruction agreement printed by the municipal real estate management department and the receipt of the house payment;
3. For self-built, renovated or overhauled self-occupied houses with property rights, residents who belong to this situation should provide planning and construction documents or identification certificates of dangerous houses recognized by the administrative departments, authoritative departments or real estate management departments of the undertaking bank (we are the Construction Bank), and choose one. The construction contract signed by the property owner and the construction unit, together with the contract, project budget or final accounts and the original of the Property Right Certificate;
4, retired personnel, if the household registration belongs to this situation, should provide the retirement certificate issued by the personnel and labor department, as the relevant proof; If the retirement certificate cannot be provided, under special circumstances, the relevant certificate or retirement certificate issued by the personnel and labor department shall be provided;
5. If the employees and their families have difficulties in life due to major diseases or major injury accidents, and their lives are under great pressure, they should provide the diagnosis certificate and medical records issued by medical institutions above Grade II A, and the patient's medical insurance card and the invoice for current treatment expenses are valid. If a non-employee is sick, if he is not himself, he should also provide a marriage certificate or proof of kinship;
6. If you completely lose the ability to work or have severe disability, and terminate the labor relationship with the unit, and there is no longer any labor relationship, you should provide the certificate of termination of the labor relationship with the original unit, the labor ability appraisal conclusion issued by the city (county) labor ability appraisal committee or the 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, which must be issued by the bank. Among them, the repayment of commercial housing loans is commercial, and the commercial housing loan contract signed between the borrower and the loan issuing bank should also be provided;
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 shall be provided. You can choose one of them, pay the rent invoice and the family income certificate issued by the unit or the relevant department;
1 1. If family life is seriously difficult due to natural disasters or other unexpected events, and the economic pressure is relatively high, emergency certificates, related problems, large expenditure documents, and income certificates of employees and other family members issued by relevant departments of the people's governments at or above the county (district) level shall be provided.
12. migrant workers or employees whose household registration is outside the jurisdiction of this municipality have terminated their labor relations with their employers, and there is no longer an employment relationship, they should provide proof of termination of labor relations with their employers and proof of household registration;
"Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.