1, to confirm whether it meets the conditions for withdrawing provident fund. To the local housing provident fund management center to receive the "housing provident fund withdrawal application form", and at the same time inform the materials that need to be prepared.
2. Or download the form from the official website of the local housing provident fund management center. Need to find the financial department of the unit to stamp the "Application Form for Housing Provident Fund Extraction" and prepare the required materials.
3. Apply to the local housing provident fund management center and submit materials.
4. The application materials are approved: generally, the amount will be transferred to the provided bank card or passbook within 1 to 3 working days.
Housing provident fund can be used to buy a house by loan. The specific process is as follows:
First, the borrower submits a written application for housing provident fund loan to the bank, fills in the application form for housing provident fund loan and truthfully provides the following information:
1, the deposit certificate of the applicant's and spouse's housing provident fund;
2, the applicant and spouse's identity certificate (refers to the resident identity card, permanent residence booklet and other valid residence documents), proof of marital status;
3. Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
4, the purchase of housing contracts, agreements and other valid documents;
5. List of collateral, pledge, certificate of ownership, certificate of consent of authorized disposition, and certificate of collateral valuation issued by relevant departments;
6. The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * sign a tripartite contract.
7. Other information required by the Provident Fund Center.
Two, for the loan application with complete information, the bank accepts the examination in time and submits it to the provident fund center in time. The provident fund center is responsible for approving loans and informing banks of the approval results in a timely manner.
Third, the bank informs the applicant to handle the loan formalities according to the approval result of the provident fund center. The borrower and his wife should sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.
4. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
Housing provident fund loan conditions:
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than 6 months.
Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
2. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
3. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. while
When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. The longest term of provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same. The basic conditions for applying for housing provident fund housing loans mainly include three aspects: loan object, loan purpose and basic conditions for housing loans.
legal ground
Regulations on the administration of housing provident fund
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee 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.
Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.