New policy of provident fund withdrawal 2022

2022 New Deal for Withdrawal Conditions of Provident Fund

1. Employees and their spouses can take out owner-occupied houses such as commercial housing, affordable housing and resettlement houses with property rights without loans.

2, the construction, renovation and overhaul of owner-occupied housing with property rights, workers and their spouses can be extracted.

3. If the owner-occupied house is purchased with a loan and the principal and interest of the loan are paid off, the employee himself and his spouse (* * * and the repayment person) can withdraw it.

4. Employees have paid the housing provident fund in full for 3 consecutive months. If my spouse and I have no own housing and rent a house in our city, they can withdraw the housing provident fund to pay the rent.

5, transferred from the administrative area, according to the business transfer.

6 employees who are not registered in this city and terminate their labor relations with the unit can withdraw the balance of the housing provident fund account at one time and cancel their personal accounts at the same time.

7. If the employee and the unit have not been re-employed after two years of termination of labor relations, they can withdraw the balance of the housing provident fund account at one time and cancel their personal accounts at the same time.

8. If the employee completely loses the ability to work and terminates the labor relationship with the unit, he can withdraw the storage balance of the housing provident fund account at one time and cancel his personal account.

9. After retirement, the employee can withdraw the balance of the housing provident fund account at one time and cancel his personal account at the same time.

10. If an employee dies or is declared dead, his successor and legatee can withdraw the balance in the employee's housing provident fund account and cancel his personal account at the same time.

1 1. If you leave the country to settle down, the employee himself can withdraw the balance of the housing provident fund account at one time and cancel his personal account at the same time.

12. If the owner-occupied housing is included in the shed reform and demolition project of the municipal government, employees and their spouses or parents and children of the same account can withdraw the balance of the housing provident fund account at one time.

13. If family life is seriously difficult due to serious illness, the employee, spouse or parents (including spouse's parents) and children of the same account can withdraw the storage balance in the housing provident fund account by stages, but the accumulated withdrawal amount shall not exceed the personal burden.

Legal basis:

Article 24 of the Regulations on the Management of Housing Provident Fund (revised 20 19) stipulates that:

1, purchase, build, renovate and overhaul owner-occupied housing; Among them, "purchase" means that employees buy houses and have the ownership of the houses they buy, which can be public houses, commercial houses, affordable housing and second-hand houses. "Construction" refers to houses built by urban residents with the approval of real estate management agencies, urban planning management agencies and other departments; "Renovation" refers to the complete demolition, design and reconstruction of houses; "Overhaul" refers to the need to affect or dismantle some major components of the house, but it is not necessary to completely demolish the house.

2. Retired workers;

3, completely lose the ability to work, and terminate the labor relationship with the unit;

4. Go abroad to settle down;

5. Repay the principal and interest of the house purchase loan;

6, the rent exceeds the prescribed proportion of family wage income;

7. The employee dies or is declared dead.