How long can I withdraw the housing provident fund to rent a house?

Our friends who work will pay the "housing provident fund" every month.

The role of "housing provident fund" is to pay housing expenses, such as renting, decorating and buying a house with loans.

Then, when we need to use the housing provident fund, how often can we withdraw it?

Generally speaking, the extraction frequency of housing provident fund is once a year.

According to the regulations, after the housing provident fund is withdrawn for the first time, the depositor of the provident fund needs to wait 12 months before applying for withdrawing the housing provident fund again.

However, there are some differences in housing provident fund policies in different regions, so the withdrawal restrictions of provident fund will be different.

Below, Wen Dabao Bell will give you a detailed explanation in combination with different situations.

About the extraction of provident fund, it can be divided into several specific situations:

1. If you need to withdraw the provident fund when buying a house, you can generally withdraw it once a year, and the withdrawal amount cannot exceed the repayment amount within one year;

2. If you choose a provident fund loan when buying a house, the future provident fund will be repaid automatically every month. In this way, it is equivalent to withdrawing the provident fund on a monthly basis;

3. If it is because the depositor, spouse and minor children do not have their own property rights and need to apply for withdrawal of the provident fund, they can withdraw it once every three months, and the amount of withdrawal cannot exceed one year's rent;

4 because of housing construction, renovation, overhaul need to withdraw provident fund, can only apply once;

5 employees need to withdraw the provident fund due to retirement, resignation, death and other reasons, but their families can apply for a one-time withdrawal of all the money in the individual housing provident fund account;

6. Employees who need to settle or immigrate abroad may apply for a one-time withdrawal of all the funds in the individual housing provident fund account.

The above methods of use are very simple. Depositors only need to provide the required materials and apply at bank outlets. If the materials are complete, the approval time of the provident fund center shall not exceed 3 working days. If it is approved, it will be directly transferred to the collection account provided by the depositor.

There is also a special withdrawal situation, which is the cancellation of the provident fund account.

If you meet the requirements for account withdrawal, you can apply for withdrawal and close the account at the same time. In addition to providing relevant materials, your personal account must be sealed.

However, if there are outstanding housing provident fund loans in this city, you need to wait until the loans are settled before you can apply for account cancellation and withdrawal.

There is no charge for us to withdraw the provident fund, as long as we bring our ID card and the materials for withdrawing the provident fund to the local housing management office.

Related questions and answers: How many times do you withdraw housing provident fund a year? The number of withdrawals varies according to different situations, as follows: 1. If a house is purchased with a mortgage, the housing provident fund can be withdrawn once a month, and the total amount of withdrawal shall not exceed the actual housing expenditure; 2. Withdraw the housing accumulation fund in the case of one-time payment for house purchase. Workers and their spouses can withdraw the housing provident fund in full once every quarter, up to four times a year; 3, self-built, overhaul occupied housing, renovation housing extraction of provident fund, the total extraction does not exceed the actual expenditure; 4, rental housing provident fund extraction, employees and their spouses can fully extract a housing provident fund every year, the total amount of extraction should not be higher than the total annual rent. According to Article 24 of the Regulations on the Management of Housing Provident Fund, employees can withdraw the balance of their housing provident fund accounts under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (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.