Can housing provident fund be used for decoration loans?

The extraction conditions of the provident fund and the corresponding procedures are different. The following is a detailed introduction, hoping to help you!

(a) the purchase, construction, renovation and overhaul of self-occupied housing with property rights;

(two) retired, retired and reached the statutory retirement age;

(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 00% of the family wage income;

(seven) to enjoy the minimum living guarantee for urban residents;

(8) The employee dies or is declared dead;

(nine) rural migrant workers and units to terminate the labor relationship;

(ten) termination of labor relations with the unit for more than 3 years (including 3 years) without re employment;

(eleven) the employee himself, his spouse and his immediate family members suffer from serious diseases, causing serious difficulties in family life.

(a) employees who purchase, build, renovate or overhaul self-occupied property houses shall provide the following materials:

1. When employees purchase owner-occupied houses with property rights, they should provide the original purchase contract and relevant purchase payment vouchers or provide the original ownership certificate.

(1) If the real estate license has not been obtained for the purchase of commercial housing, the original commercial housing purchase contract and the original full purchase invoice shall be provided, or the original commercial housing purchase contract and deed tax payment certificate shall be provided; If the house property right certificate has been handled, the original house property right certificate shall be provided.

(2) If the second-hand housing property certificate is incomplete, provide the original housing sales contract or Qingdao public housing sales contract and deed tax payment certificate; If the house property right certificate has been handled, the original house property right certificate after transfer shall be provided.

(3) If the property certificate of rented public housing is not handled according to the relevant provisions of the housing reform policy, the original contract for the sale of public housing and the original payment voucher shall be provided; If the house property right certificate has been handled, the original house property right certificate shall be provided.

(4) If the house is purchased for demolition and resettlement, the original compensation agreement for demolition and resettlement and the original overdue price difference invoice shall be provided.

2. When building or renovating owner-occupied housing with property rights, employees shall provide the construction project planning permit approved by the planning administrative department, the construction contract signed by the property owner and the construction unit, the final accounts of the original project and the payment invoice (the original house property certificate shall also be provided when renovating); Rural migrant workers who build or rebuild their own houses in their registered permanent residence shall provide the original collective land use certificate or the original house ownership certificate.

3. If the owner-occupied housing with property rights is overhauled, the employee shall provide the certificate of quality supervision procedures handled by the relevant quality supervision institutions of the real estate administrative department (the Provisions of the Ministry of Construction on the Administration of Urban Housing Renovation), the construction contract, final accounts, payment invoices and the original housing title certificate signed by the housing property owner and the construction unit.

Employees who purchase, build, renovate or overhaul self-occupied property houses, their immediate family members shall withdraw the balance of the housing provident fund account, and shall provide documents of their mutual relationship in addition to the relevant certificates of purchase, construction, renovation and overhaul of houses. Belonging to the husband-wife relationship or the immediate family members of the same account, the original marriage certificate or household registration book should be provided; The lineal relatives who do not belong to the same household registration shall provide the original certificate of lineal relatives issued by the household registration management department of the extractor.

(2) If the employee resigns or retires, provide the original certificate of resignation or retirement. Without obtaining the certificate of resignation and retirement, the original resignation and retirement procedures approved by the labor and personnel department at or above the district (city) level shall be provided.

If an employee leaves his post or retires, due to merger, division, cancellation, dissolution, bankruptcy and other reasons, his unit cannot issue a certificate of withdrawal of Qingdao housing provident fund, he/she shall provide a certificate of cancellation of the unit issued by the administrative department for industry and commerce or the approval document of merger, division, cancellation and dissolution of the unit issued by the superior competent department of the original unit, the original divorce (withdrawal) certificate, and the original and photocopy of the ID card. If the employee does not go through the retirement formalities in the original unit, in addition to providing the above materials, the original labor experience certificate of the original unit is also required.

(three) completely lost the ability to work, and terminate the labor relationship with the unit, it shall provide the original notice of the conclusion of the total loss of labor ability appraisal issued by the labor ability appraisal Committee and the original certificate of termination of labor relationship with the unit.

(4) If the employee leaves the country for settlement, the original entry-exit approval document or long-term residence certificate of the country (region) of settlement shall be provided.

If an employee leaves the country to settle down, and his/her unit cannot issue a certificate of withdrawal of Qingdao housing provident fund due to merger, division, cancellation, dissolution or bankruptcy, he/she shall provide a certificate of cancellation of the unit issued by the administrative department for industry and commerce or the approval document of the superior competent department of the original unit for the merger, division, cancellation or dissolution of the unit, the original proof of work experience in the original unit, the original and photocopy of the ID card, the original entry-exit approval document or the certificate of long-term residence in the country of residence.

(five) workers to repay housing provident fund loans, should provide the original housing loan contract; To repay commercial housing loans or portfolio loans, the original housing loan contract and the original repayment certificate issued by the bank shall be provided (the bank passbook of housing loan repayment or the details of housing loan repayment stamped with the bank seal).

If the employee repays part (or all) of the house loan in advance, the original loan contract and the original proof of prepayment issued by the municipal provident fund center or bank shall be provided.

When the spouse withdraws the balance of the housing provident fund account, in addition to the above supporting materials, the original marriage certificate or household registration book should also be provided.

(6) If employees rent public houses and pay more than 10% of their family wage income, provide the original household registration book, the original rental table of public houses issued by the housing management department and the original annual wage income certificate issued by the lessee and its immediate family members, and the unemployed provide the original unemployment certificate; Employees who rent private houses and pay more than 10% of their family wage income should provide the original household registration book, house lease contract, rent invoice and the original proof of the previous year's wage income issued by the lessee and his immediate family units, and the unemployed should provide the original unemployment certificate.

When the immediate family members living together withdraw the balance of the housing provident fund account, in addition to the above certification materials, they shall also provide the certification documents of their mutual relationship. Belonging to the husband-wife relationship or the immediate family members of the same account, the original marriage certificate or household registration book should be provided; The lineal relatives who do not belong to the same household registration shall provide the original certificate of lineal relatives issued by the household registration management department of the extractor.

(seven) to enjoy the minimum living guarantee for urban residents, the original certificate of minimum living guarantee for urban residents shall be provided.

(8) If an employee dies or is declared dead, the legal heir or legatee shall provide the original and photocopy of the ID card of the legal heir or legatee, and the original and photocopy of the notarized provident fund inheritance or legacy. If there are multiple heirs or legatees, the notarized original and photocopy of the power of attorney of other heirs or legatees shall also be provided. If there is a dispute over inheritance or bequest, the originals and copies of legal documents such as court judgments, rulings or conciliation statements shall also be provided.

(nine) rural migrant workers and units to terminate the labor relationship, should provide the original proof of termination of labor relations with the unit, the original residence booklet and a copy.

(ten) if the labor relationship with the unit has been terminated for more than 3 years (including 3 years) and has not been re-employed, the original unemployment certificate (job application certificate) issued within 3 years shall be provided. If the employee changes (reissues) the unemployment certificate (job application certificate) due to reasons such as household registration transfer, loss, collection of ID number, etc. It is necessary to provide the original unemployment certificate (job application certificate) and the original employee unemployment confirmation issued by the labor department.

(11) Employees, spouses and their immediate family members suffering from chronic renal failure (uremia), malignant tumor, aplastic anemia, chronic severe hepatitis, heart valve replacement, coronary artery bypass grafting, intracranial tumor craniotomy, major organ transplantation, aortic surgery, etc. , should provide the seal of the hospital medical record room, medical department seal, outpatient office seal, etc. Issued by a hospital at or above the second level.

Employees and their immediate family members suffering from nine kinds of serious diseases and serious illnesses who seek medical treatment in hospitals above Grade II (excluding Grade II) outside Qingdao, in addition to providing the above-mentioned certification materials, they also need to provide proof that the hospital belongs to a hospital above Grade II.