What are the extraction conditions of Harbin provident fund?

Conditions and objects of housing accumulation fund withdrawal in Harbin;

In any of the following circumstances, the employee may withdraw the amount in his housing provident fund account:

1. Employees and their spouses can take out owner-occupied housing such as commercial housing, affordable housing, public housing and resettlement housing 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, rental housing, rental expenses exceed 25% of family income, employees and their spouses can extract.

5, transferred from the city or account out of the city, the workers themselves can be extracted.

6, non city accounts, termination of labor relations with the unit, the workers themselves can be extracted.

7, termination of labor relations with the unit, two years without re employment, workers themselves can be extracted.

8, completely lost the ability to work, terminate the labor relationship with the unit, the employee himself can extract.

9, retired, retired, workers themselves can be extracted;

10. If an employee dies or is declared dead, his successor and legatee may withdraw the employee's housing accumulation fund.

1 1. If you leave the country to settle down, the employee can withdraw himself.

Self-occupied housing is included in the shed reform and demolition project of the municipal government, and employees themselves and their spouses or immediate family members of the same account can be extracted.

Borrowers who apply for housing provident fund loans in this city and their spouses (* * * the same as the repayment person), their housing provident fund deposits must be used to repay the principal and interest of housing provident fund loans in priority, and shall not be withdrawn in any other form before the loans are paid off.

Housing renovation and the purchase or lease of office buildings, commercial buildings, garages and other non-owner-occupied housing, housing provident fund shall not be withdrawn.

Extended data:

When an employee leaves his/her job, he/she should provide:

1. Application for withdrawal of my ID card and housing provident fund (in duplicate). ?

2. When extracting the spouse or lineal blood relatives of the same account, you must also provide proof of relationship (marriage certificate or household registration book).

3. If others withdraw money on their behalf, they must also provide the ID card of the manager.

In addition to the above materials, choose the corresponding materials according to different situations:

1. Non-loan purchase of owner-occupied housing: property ownership certificate is also required. If the withdrawal amount exceeds 200,000 yuan, a deed tax payment certificate must be provided; Without obtaining the "Property Ownership Certificate", the house sales contract and purchase invoice filed online by the real estate department shall be provided.

2. Construction and renovation of self-occupied housing: State-owned land use certificate (collective land use certificate), construction project planning permit, purchase of building materials, project cost invoice and property ownership certificate must also be provided.

(1) Where owner-occupied housing is built or renovated on collective land, the certificate of ownership of the collective land housing and the non-urban household registration or the certification materials issued by the local village committee for the construction or renovation of owner-occupied housing shall be provided.

(2) If the owner-occupied housing is overhauled, it shall also provide the overhaul certificate issued by the street (town) and above urban construction departments, the purchased building materials, the project cost invoice and the property ownership certificate.

3. Loan to purchase owner-occupied housing and repay the loan principal and interest: the following supporting materials are also required:

(1) Repay the principal and interest of the housing provident fund loan and provide the loan contract.

(2) to repay the principal and interest of commercial personal housing loans, and provide loan contracts and recent repayment vouchers.

4. Rent extraction:

(1) Providing public housing: public housing lease contracts and rent payment forms filed online.

(2) Rental of commercial housing: proof of marital status (marriage certificate or household registration book for married employees, single certificate issued by civil affairs department for unmarried or divorced employees); The designated real estate department shall issue a certificate that there is no real estate under the name of the employee and his spouse (valid for one month).

5. Move out of the city or move out of the city: you must provide a business transfer letter or proof of moving out of the city.

6. Non-local hukou, termination of labor relations with the unit: proof of termination of labor relations must be provided.

7 termination of labor relations with the unit for two years without re employment, must provide the "Heilongjiang Province Employment and Unemployment Registration Certificate".

8. Completely lose the ability to work and terminate the labor relationship with the unit: the certificate issued by the labor ability appraisal committee and the certificate of termination of the labor relationship must be provided.

9. Retirement: Retirement certificate or approval form must be provided.

10. Employees are dead or declared dead: their legal heirs and legatees must also provide employees' death certificates and legal inheritance certificates.

1 1. Exit and settle down: you must provide exit and entry approval documents issued by the public security and other relevant departments or proof of long-term residence in the country (region) of residence.

12. Self-occupied housing is included in the shed renovation and demolition project of the municipal government: the compensation agreement for house demolition and the demolition acceptance form must be provided.

13. dissolution, bankruptcy and abandonment of the unit: the cancellation certificate of the unit issued by the administrative department for industry and commerce or the relevant approval documents of the original superior competent department must be provided.

14. The rented government-owned public housing is used to pay the rent: the online public housing lease contract and rent payment bill are provided.

15. Serious difficulties in family life caused by serious illness: proof of serious difficulties in family life issued by the unit, diagnosis proof materials (diagnosis certificates or cases) issued by hospitals at or above the second level (districts and counties) and special medical settlement bills must be provided.

16. If the withdrawal of personal accounts meets the requirements, and the application for withdrawal of housing provident fund and the detailed list of withdrawal of housing provident fund cannot be issued due to the merger, division, cancellation, dissolution, bankruptcy and other reasons, the certificate of cancellation of the unit issued by the administrative department for industry and commerce or the approval document of the merger, division, cancellation and dissolution of the original unit issued by the superior competent department shall be provided.

Extraction process:

1. Employees must apply to the provident fund center for withdrawal with true and valid supporting materials. After the audit of the provident fund center, if the materials are true and complete and meet the requirements, they will be handled immediately.

2, shed demolition project extraction, the implementation of localized acceptance, examination and approval system. Workers are extracted from the office of the provident fund center in the district where the housing is located, and each office verifies the supporting materials according to the information provided by the shed reform office, and can visit and investigate on the spot when necessary.

3 provident fund center shall, within 3 working days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal of the certification materials that cannot be confirmed immediately and need further verification, and notify the applicant; If the withdrawal is granted, the withdrawal formalities shall be handled in accordance with the provisions.

Withdrawal amount:

First, partial extraction:

1. Non-loan purchase of self-occupied housing with property rights: withdraw the balance of the housing provident fund account at one time, but the withdrawal amount shall not exceed the purchase price.

2. Construction, renovation and overhaul of self-occupied housing: withdraw the balance of housing provident fund account at one time, but the withdrawal amount shall not exceed the actual expenditure. If owner-occupied housing is built or renovated on collective land, the balance of the housing provident fund account can be withdrawn at one time. If the construction area is within 100 square meter, the maximum withdrawal amount shall not exceed 654.38+10,000 yuan; If the building area is more than 100 square meter (inclusive), the maximum withdrawal amount shall not exceed 200,000 yuan.

3. Purchase owner-occupied housing by loan and repay the loan principal and interest: withdraw the amount stored in the housing provident fund account by stages, but the accumulated withdrawal amount shall not exceed the total loan principal and interest.

4. Rent extraction:

(1) For renting public rental housing, employees themselves and applicants (spouses and children) who apply for public rental housing qualification can withdraw it once every quarter, and the amount of withdrawal each time shall not exceed the amount of paid rent bill, and the accumulated amount of withdrawal each year shall not exceed the amount of rent actually paid in that year.

(2) For renting commercial housing, employees and their spouses can withdraw it once a year, and the amount of each withdrawal shall not exceed the prescribed withdrawal limit, that is, 65,438 yuan in urban areas (including Hulan, Acheng and Shuangcheng) and 9,600 yuan in counties (cities).

5. Self-occupied housing is included in the shed reform and demolition project of the municipal government: the balance of housing provident fund account is extracted at one time.

6. Leased government-owned housing is used to pay rent: it is withdrawn once every quarter, and the amount withdrawn each time shall not exceed the paid rent bill, and the accumulated amount withdrawn each year shall not exceed the actual rent paid in the current year.

7. Family life is seriously difficult due to serious illness: employees themselves, spouses or parents (including spouses' parents) and children in 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.

2. Withdrawal of account cancellation: (Withdraw the balance of my housing provident fund account at one time)

1, transferred out of this city or registered permanent residence moved out of this city.

2. Non-local hukou and termination of labor relations with the unit.

3, and the unit to terminate the labor relationship and not re employment for two years.

4, completely lose the ability to work and terminate the labor relationship with the unit.

5. Employees retire, die or declare death and go abroad to settle down.

Extraction time:

1. Employees must apply to the provident fund center for withdrawal with true and valid supporting materials. After the audit of the provident fund center, if the materials are true and complete and meet the requirements, they will be handled immediately.

2, shed demolition project extraction, the implementation of localized acceptance, examination and approval system. Workers are extracted from the office of the provident fund center in the district where the housing is located, and each office verifies the supporting materials according to the information provided by the shed reform office, and can visit and investigate on the spot when necessary.

3 provident fund center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal of the certification materials that cannot be confirmed immediately and need further verification, and notify the applicant; If the withdrawal is granted, the withdrawal formalities shall be handled in accordance with the provisions.

References:

Harbin Housing Provident Fund Management Center-Notice on Housing Provident Fund Withdrawal Policy