2. completely or partially losing the ability to work, and terminating the labor relationship with the unit;
3. The registered workers in this Municipality have not been re-employed for five years or have reached the age of 5 for men and 45 for women after terminating their labor relations with their employers;
4. Employees who are not registered in this Municipality have not been re-employed in this Municipality after terminating their labor relations with their employers;
5. Enjoy the urban minimum living guarantee;
6. Go abroad to settle down;
7. The employee dies or is declared dead.
what documents do I need to take to withdraw the housing provident fund if I meet the requirements? Information required for housing provident fund withdrawal:
1. Purchase self-occupied housing. Commercial housing sales contract or real estate ownership certificate (including house ownership certificate and real estate transaction registration certificate) and purchase (sales) invoice registered in the real estate exchange where the house is located shall be submitted. The purchase of housing reform, should be submitted by the housing reform office issued by the purchase of public housing approval documents (or "real estate certificate") and payment receipt.
2. Build self-occupied housing. If the house is under construction, submit the state-owned land use certificate issued by the Municipal Bureau of Land and Resources and the construction land planning permit and construction project planning permit issued by the Municipal Planning Bureau; If the house has been completed, it shall be submitted to the Real Estate Certificate issued by the Municipal Housing Authority.
3. Renovation of self-occupied housing. Submit the "Property Ownership Certificate" or "Property Ownership Certificate" issued by the Municipal Housing Authority and the "Construction Project Planning Permit" issued by the Municipal Planning Bureau.
4. overhaul owner-occupied housing. Submit the "Property Ownership Certificate" or "Property Ownership Certificate" issued by the Municipal Housing Authority and the "Housing Safety Appraisal Report" issued by the housing safety appraisal agency.
5. Retirement certificates are required for retirement.
6. The laborer completely loses the ability to work and terminates the labor contract with the unit. Submit the certificate of termination of labor relations with the unit, and also submit the municipal hospital certificate, labor ability appraisal certificate or disabled person certificate. If the labor relationship with the unit is terminated but the labor ability is not completely lost, only the sealing procedures can be handled.
7. The employee terminates the labor relationship with the unit and obtains the unemployment certificate. Submit unemployment certificate and ID card, etc.
8. Workers with other urban hukou terminate their labor relations with their employers. Submit the resignation certificate and identity card issued by the unit.
9. Transfer jobs, check out cities, and go abroad to settle down. Submit the transfer order of the personnel and labor department, the household registration certificate issued by the household registration management department of the Municipal Public Security Bureau, and the certificate of leaving the country to settle down. (Those who go abroad for further study or study or leave the country for a short time do not belong to the category of extraction and can only be sealed).
1. Repay the principal and interest of the bank loan for purchasing owner-occupied housing. Submit the loan contract, the mortgage registration certificate of the housing management department (the purchase invoice can be provided for those who purchase the mortgage registration certificate of foreign houses) and the repayment passbook (or the latest repayment list). 11 to repay the principal and interest of bank loans for the construction, renovation or overhaul of owner-occupied housing. The loan contract, mortgage registration certificate of the housing management department (if there is no such certificate for the construction, renovation and overhaul of houses outside the city, relevant invoices can be provided), construction application certificate and repayment passbook (or the latest repayment list) should be submitted.
12. The rent exceeds 5% or more of the salary income of the family (in the same account). Submit proof of wage income (issued by the employee unit), household registration book, lease contract, rent payment invoice, etc. , and extract the part that exceeds the rent ratio with the invoice of the current month's rent payment. Foreign registered permanent residence workers submit lease contracts, invoices, receipts or unit certificates to pay rent.
13. The employee dies or is declared dead. The employee's heirs and legatees can withdraw the storage balance in the employee's housing provident fund account by submitting relevant certificates (death certificates, legal documents declared by the court, notarial certificates of the heirs and legatees, etc.). ). 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.
14. Employees enjoy the minimum living guarantee for urban and rural residents. Submit the household registration book and the "Citizen Minimum Living Security Object Guarantee Certificate" or "Urban and Rural Residents (Villages) Minimum Living Security Line Guarantee Certificate" issued by the municipal civil affairs department. You can withdraw the balance in the employee housing provident fund account every month until you stop enjoying the subsistence allowance.
15. Employees' families suffered heavy property losses due to unexpected events, which led to difficulties in life. Submit the fire protection certificate of the fire department or the compensation certificate of the insurance company.
16. The employees themselves, spouses and children have difficulties in family life due to serious diseases. Submit a patient-specific outpatient card (issued by the Municipal Social Security Bureau) and an invoice for medical expenses. You can withdraw the balance in the employee housing provident fund account every month until the per capita monthly income of the family exceeds the municipal minimum living standard.
There are strict regulations on the withdrawal of housing accumulation fund. Generally, it can only be withdrawn and used according to relevant requirements, and it cannot be directly withdrawn. Housing provident fund is used for employee housing consumption and employee housing construction financing according to regulations, and no unit or individual may use it for other purposes.
1. Under any of the following circumstances, employees can withdraw the storage balance in the housing provident fund account:
(1) purchase, build, renovate or overhaul the self-occupied housing;
(2) retirement;
(3) completely losing the ability to work and terminating the labor relationship with the unit;
(4) the employer has not been re-employed for five years after terminating the labor relationship with the employer;
(5) going abroad or leaving the country to settle down;
(6) the registered permanent residence has moved out of the administrative area of the city or county, and the housing accumulation fund system has not been established in the place where it moved in;
(7) Housing consumption of other employees stipulated by the provincial people.
2. If an employee dies or is declared dead, the employee's heir or legatee may withdraw the storage balance in the employee's housing provident fund account.
3. After the employee terminates the labor relationship with his unit, the migrant workers or non-urban registered employees terminate the labor relationship with the unit of this city (county, city, district), and the urban registered employees in this city can withdraw the housing provident fund if they have not been re-employed for five years.
4. To receive the provident fund of this project, employees need to provide the housing provident fund dragon card (deposit certificate) and the Application Form for Housing Provident Fund Extraction audited and sealed by the unit before they can receive it.
5. Materials to be provided for handling: (1) Proof or notice of sealing housing provident fund (original); (2) Apply for the ID card of the extractor (1 original and 1 copy);
6. Procedure:
(1). Individual application: The employee who has paid the housing provident fund applies to his unit with the supporting materials that meet the conditions for the withdrawal of the housing provident fund;
(2) unit preliminary examination: the applicant meets the extraction conditions and the corresponding certification materials are true. After verification, the unit will fill out the Application for Extraction of Housing Provident Fund;
(3) unit application: the unit provident fund manager or applicant submits an application for withdrawal to the municipal first-class housing provident fund management center after the preliminary examination with the employee application certification materials and the application for withdrawal of housing provident fund;
(4) central approval: the municipal first-level housing provident fund management center checks the submitted certification materials and approves the withdrawal amount. If the initial password of the applicant's housing provident fund dragon card has been modified, it can be directly transferred and paid in the management center; If the applicant Longka has not changed the initial password, I can only handle the transfer payment in the management center after I change the initial password at the nearest CCB outlet with my ID card.
how to withdraw Changzhou housing provident fund without buying a house?
There are many ways to withdraw Changzhou housing provident fund without buying a house, but it is estimated that you may not be applicable.
For example
1. Retire, retire;
Leave this city
3. Decorate, build your own house
4. Go abroad, etc.
See Changzhou Provident Fund official website for details.
I hope it helps you.
how to withdraw Hefei housing provident fund? (a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(3) completely losing the ability to work and terminating the labor relationship with the unit;
(4) Those who have left the country to settle down;
(5) repayment of principal and interest of owner-occupied housing loans;
(6) the rent expenditure exceeds 5% of the family wage income;
(7) those who are living in difficulties and are receiving urban minimum living allowance;
(8) an emergency occurs, which causes serious difficulties in family life;
(9) The migrant workers and their units terminate their labor relations;
(1) being sentenced to death, life imprisonment or fixed-term imprisonment, and reaching the statutory retirement age of the state after serving his sentence;
(11) dead or declared dead;
(12) Other circumstances stipulated by Hefei Housing Provident Fund Management Committee.
how to withdraw Deyang housing provident fund from the housing provident fund center can be specifically consulted. Resignation can be withdrawn with the purchase contract or decoration, depending on local policies.
what are the conditions for withdrawing housing accumulation fund? The housing accumulation fund meets the following conditions:
in the purchase, construction, renovation and overhaul of owner-occupied housing with ownership;
when you retire or reach retirement age;
completely losing the ability to work and terminating the labor relationship with the unit;
when the registered permanent residence moves out of this city or goes abroad to settle down;
non-local employees are transferred from this city;
when employees repay the principal and interest of the house purchase loan, they can withdraw the balance of the housing provident fund to offset it;
if an employee dies or is declared dead, the employee's heir or legatee can withdraw the storage balance in the employee's housing provident fund account, and the employee's housing provident fund account will be cancelled at the same time.
Housing accumulation fund withdrawal process:
Application for individual withdrawal of housing accumulation fund (approval);
the original and photocopy of my ID card (the original and photocopy of the marriage certificate must be provided for the couple to take it);
for which type of provident fund is withdrawn, provide the required certification materials according to the corresponding conditions.
what are the conditions for withdrawing cash from Feicheng housing provident fund? Employees who are under any of the following circumstances and can provide legal and valid certificates in accordance with the regulations may apply for withdrawing the storage balance in their housing provident fund accounts:
(1) purchasing, constructing, renovating or overhauling the owner-occupied housing with ownership;
(2) retirement;
(3) completely losing the ability to work or severely disabled, and terminating or dissolving the labor relationship with the unit;
(4) those who have settled abroad or settled in Hong Kong, Macao or Taiwan;
(5) Repaying the principal and interest of housing provident fund loans and commercial housing loans;
(6) the monthly rent of the rented house exceeds 15% of the monthly salary of the family;
(7) migrant workers or employees whose household registration is outside the jurisdiction of this Municipality and who have terminated their labor relations with their units;
(8) The employee is dead or declared dead;
(9) those who are enjoying the minimum living guarantee or the treatment of poor relief for urban residents;
(1) urban workers and units in this city have not been re-employed for more than one year after the termination of labor relations;
(11) employees and family members have difficulties in family life due to major diseases or major injury accidents;
(12) family life is seriously difficult due to natural disasters or other emergencies.
how to withdraw the housing accumulation fund in Dongguan in 216? If the application conditions and materials are different, consult the local housing provident fund management center directly for specific business.
when employees withdraw housing provident fund, they must provide the application form for individual housing provident fund withdrawal (in triplicate) stamped by the unit, the original and photocopy of the ID card of the extractor and other conditions-related certification materials. Such as: house purchase contract, pre-sale contract, house purchase invoice, bank loan contract, lease contract, rent invoice, retirement, original and photocopy of retirement certificate, original and photocopy of visa and passport, etc.
how to operate the housing accumulation fund? Under what conditions can I enjoy the housing provident fund treatment? I. the concept of housing accumulation fund
housing accumulation fund is a long-term housing deposit paid by units and their employees, and it is the main form of monetization, socialization and legalization of housing distribution. The housing accumulation fund system is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed. Units and individual employees must fulfill their obligations to pay housing provident fund according to law. Housing provident fund paid by individual employees and housing provident fund paid by units shall be stored in special accounts and owned by individual employees. The units here include state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations.
second, the legal characteristics of housing provident fund
first, it is cumulative, that is, although housing provident fund is an integral part of employees' wages, it is not paid in cash, and must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented. The second is specificity. The housing accumulation fund shall be earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when the employee retires, dies, completely loses the ability to work and terminates the labor relationship with the unit or moves out of the original city can the housing provident fund be withdrawn from the account.
Third, the management of housing provident fund
The management of housing provident fund should follow the principles of decision-making of housing provident fund management committee, operation of housing provident fund management center, special account storage and financial supervision.
4. Use of housing accumulation fund
Housing accumulation fund should be used for employees to purchase, build, renovate and overhaul their own houses, and no unit or individual may use it for other purposes.
In any of the following circumstances, employees can withdraw the storage balance in the employee housing provident fund account:
(1) purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(3) completely losing the ability to work and terminating the labor relationship with the unit;
(4) Those who have left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(6) the rent exceeds the prescribed proportion of family wage income.
if the employee's housing provident fund is withdrawn in accordance with items (2), (3) and (4) of the preceding paragraph, the employee's housing provident fund account shall be cancelled at the same time.
if an employee dies or is declared dead, the employee's heirs and legatee can 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.
employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
the housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
V. Provisions on the Payment of Housing Provident Fund
The proportion of housing provident fund paid by employees and units 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, audited by the people's government at the corresponding level and approved by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government.
if the unit fails to register the deposit of housing provident fund for its employees or to set up a housing provident fund account, the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+ million yuan and 5, yuan shall be imposed.
if the unit fails to pay or underpays the housing provident fund within the time limit, the housing provident fund management center shall order it to pay within a time limit; If the deposit is not made within the time limit, it may apply to the people's court for compulsory execution.
VI. Differences between housing provident fund loans and commercial loans
The Measures for Entrusted Loans for Personal Housing Guarantees formulated by the housing provident fund management institutions and the Measures for the Management of Personal Housing Loans promulgated and implemented by financial institutions such as the People's Bank of China are all aimed at people with insufficient funds for purchasing houses.