Conditions for withdrawal of Yangzhou provident fund

Conditions for withdrawal of Yangzhou provident fund

20 15 "regulations on the management of housing provident fund (revised draft for comments)" proposes that the contribution ratio of housing provident fund for employees and units shall not be lower than 5% and higher than 12%. The following is the extraction conditions of Yangzhou provident fund I shared, hoping to help you.

I. Extraction of housing consumption categories

Workers have one of the following housing consumption situations, workers and their spouses can withdraw the balance of storage in the housing provident fund account:

(a) the purchase of owner-occupied housing (hereinafter referred to as "owner-occupied housing");

(two) the construction, renovation and overhaul of owner-occupied housing;

(three) to repay the principal and interest of the owner-occupied housing loan;

(four) no self-owned housing in the deposit place, renting a house to live;

(5) Paying a house property management fee (or deposit) at the workplace;

(six) the implementation of property rights exchange for house demolition;

(seven) to pay for the installation of elevators in existing houses.

The withdrawal and use of the balance of the housing provident fund account of employees and their spouses' immediate family members (parents and children only, the same below) shall be separately stipulated by the Municipal Provident Fund Management Committee.

Second, other types of extraction.

Under any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts and cancel their individual housing provident fund accounts:

(a) retirement;

(2) Having left the country to settle down;

(3) The employee dies or is declared dead;

(four) partial or complete loss of labor ability, and termination of labor relations with the unit;

(five) the termination of labor relations with the unit, and the account moved out of the city or the account is not in the city;

(six) the termination of labor relations with the unit, and the male is over 50 years old and the female is over 40 years old;

(seven) termination of labor relations with the unit, and was sentenced during his tenure;

(eight) the account has been sealed for more than ten years;

(nine) laid-off and unemployed, and the spouse is not employed.

Third, extract materials.

For different types of provident fund withdrawal, the material requirements are different, and the required materials = necessary materials+business materials.

Necessary materials (provide corresponding materials according to personal actual situation):

1. Employees who withdraw housing provident fund shall provide their ID cards.

2. If the employee's spouse participates in the extraction, provide the spouse's ID card, household registration book or marriage certificate;

3. Single employees need to explain their marital status, and provide a single commitment letter (divorced employees provide divorce certificates or divorce agreements);

4 need to explain the immediate family members, provide household registration books and other materials. If it is not registered in the same household registration book, it can provide relevant explanatory materials issued by the public security department where the household registration is located or notarized proof of kinship issued by the notary department.

5. Entrusted (agent), handle withdrawal and transfer, and provide agent ID card, extractor ID card and commercial bank debit card.

Commercial materials

(a) employees to buy owner-occupied housing, should provide materials according to the following circumstances:

1, purchase commercial housing in this city, and provide the purchase contract and valid payment voucher filed by the construction (real estate) administrative department to reach the specified down payment ratio; If you have received the certificate of immovable property rights (including the original certificate of real estate ownership, the same below), you should provide the certificate of immovable property rights, tax payment vouchers or purchase invoices.

If you buy a second-hand house in this city, you should provide a Certificate of Immovable Property Rights, a registered sales contract or a tax payment certificate.

The purchase of public housing in this city, to provide the "public housing sale evaluation form" and payment vouchers.

2, in other provinces and cities to buy self-occupied housing, the city provident fund center should be able to share information, letters, etc., to other provinces and cities housing property registration departments to obtain the authenticity of employee housing transactions. Employees are required to provide immovable property certificate and tax payment certificate; If the certificate of immovable property right has not been processed, the online filing contract and the general VAT invoice shall be provided.

3. If the property right of the purchased house is owned by non-family members, a real estate license or a house purchase contract shall be provided.

(two) workers to build, rebuild, overhaul the city's self-occupied housing to withdraw housing provident fund, it should be provided according to the following circumstances:

1, for newly-built or rebuilt self-occupied housing, provide the Construction Project Planning Permit, the Certificate of Immovable Property Rights and the project budget issued by the local construction (planning) administrative department; If the local authorities do refuse to issue the "Construction Project Planning Permit", they shall provide written materials for the local construction management departments and communities (village committees) to permit new (demolished) houses (the same below).

2, fund-raising housing (including rural unified planning of centralized residential areas unified housing), provide the project documents approved by government departments, to participate in fund-raising housing personnel roster, fund-raising housing agreement and effective payment vouchers.

3. For the overhaul of owner-occupied housing, provide the housing safety appraisal certificate (Grade C or above) issued by a qualified housing safety appraisal department or the construction project planning permit, property right certificate and project budget of the planning department.

(three) the implementation of property rights exchange of housing demolition, demolition and resettlement (compensation) agreement (hereinafter referred to as the "demolition agreement"), demolition and resettlement settlement list, housing confirmation agreement and valid payment vouchers should be provided.

(four) workers to repay commercial personal housing loans or housing provident fund loans in different places to withdraw housing provident fund, it shall provide the following materials:

When the housing provident fund is withdrawn for the first time to repay commercial housing loans or housing provident fund loans in different places, the loan contract issued (sealed) by the commercial bank, and the latest basic information of commercial loans (including loan account number, lender name, loan amount, loan balance, etc.) sealed by the bank. , the same below), repayment details during the repayment period, and loan account number binding should be completed; When going through the repayment procedures again, you only need to provide the latest basic information of commercial loans stamped by the bank and the repayment details during the repayment period.

(five) extraction of housing provident fund, employees shall provide the following materials:

1. Information filing materials issued by the local real estate (real estate) department that I and my spouse have no property rights registration (information is not required if information can be obtained through information enjoyment);

2. If ordinary commercial housing is leased in this city, the lease contract (or agreement) registered by the housing construction department and within the lease period shall be provided; If public rental housing is rented in this city, the public rental housing lease contract shall be provided within the validity period.

(six) to apply for payment of other housing consumption expenses, employees shall provide materials according to the following circumstances:

1. If the housing provident fund is withdrawn for the first time to pay the property management fee, the certificate of immovable property right and the bill of property management fee shall be provided; If the newly-built commercial housing fails to apply for the ownership certificate, it shall provide the registered purchase contract, purchase invoice and property management fee bill; Provide demolition agreement, settlement list, water and electricity card and property management fee bill for demolition; If you apply again, you only need to provide the property management fee bill.

2. If the existing house needs to pay for installing the elevator, it shall provide the elevator installation agreement, the elevator use registration certificate (copy can be used) and the cost-sharing bill.

(seven) the retirement of employees has not reached the statutory retirement age, that is, male employees are under 60 years of age and female employees are under 55 years of age, and provide retirement certificates or retirement procedures approved by the human resources and social security departments; Retired workers who have reached the statutory retirement age can apply directly with their ID cards.

(eight) the workers who leave the country to settle down, provide immigrant visas or household registration materials, and terminate the labor relationship agreement with the unit.

(9) If an employee dies or is declared dead, the legal heir or legatee of the deceased employee may apply for withdrawing the storage balance in the housing provident fund account of the deceased employee; If there is no heir or legatee, the storage balance in the housing provident fund account of the deceased employee shall be included in the value-added income of the housing provident fund. When extracting, materials shall be provided according to the following conditions:

1. If the heir is the first heir (spouse, parents, children), provide the heir's ID card, the cremation certificate of the deceased employee or the cancellation certificate of the household registration, and other materials (marriage certificate, household registration book, etc. ) a certificate issued by the public security or civil affairs government departments that can explain the relationship between the heir and the deceased employee;

2. If the heir is not the first heir or testator or legatee, provide the ID card of the heir or legatee, the cremation certificate of the deceased employee or the certificate of cancellation of household registration, the notarial certificate to determine his right of inheritance or legacy, or the court's judgment, ruling, mediation and other materials.

(10) Where an employee partially or completely loses his/her ability to work and terminates his/her labor relationship with the unit, he/she shall provide the "Appraisal Form of Labor Ability of Disabled Employees" or disability certificate issued by the labor appraisal functional department at or above the county level, as well as an agreement to terminate the labor relationship with the unit.

(eleven) the termination of labor relations between employees and units, accounts out of the city, to provide materials for the transfer of accounts, and the termination of labor relations with the unit agreement; If the registered permanent residence is not in this city, provide my ID card and the agreement to terminate the labor relationship with the unit.

(twelve) the termination of labor relations between employees and units, and male employees over 50 years of age, female employees over 40 years of age, to provide an agreement with the unit to terminate labor relations.

(thirteen) if the employee terminates the labor relationship with the unit and is sentenced during his service, he shall provide the written judgment and ruling issued by the judicial department and the agreement to terminate the labor relationship with the unit.

(14) If the employees are the minimum living guarantee objects of urban and rural residents in this Municipality, provide the minimum living guarantee certificate (or registration certificate) issued by the civil affairs department of this Municipality (county, city, district) and within the validity period; For poor workers, provide the certificate of poor workers (or registration certificate) issued by the city (county, city, district) Federation of Trade Unions within the validity period.

(15) If the employee, spouse or immediate family members suffer from serious diseases, which leads to particularly difficult family life, the medical certificate, special treatment bill and explanatory materials of immediate family members issued by hospitals at or above the county level shall be provided. The withdrawal amount shall not exceed the self-funded part of the employee's family.

(16) Workers' families suffering from fires, earthquakes and other disasters due to their own property houses, which cause special difficulties in family life, shall provide relevant explanatory materials and the certificate of immovable property rights issued by the neighborhood offices (township neighborhood committees) or fire emergency management departments where the accident houses are located.

(seventeen) employee accounts sealed for ten years, with ID card directly.

(eighteen) laid-off workers and unemployed spouses, provide themselves and their spouses unemployment materials (unemployment certificate, etc.). ).

Fourth, the extraction method

(a) for the payment of rent, repayment of personal housing loan principal and interest and other continuous extraction business, employees can sign an agreement with the municipal provident fund center, and entrust the municipal provident fund center to conduct extraction review and payment according to the agreement.

(2) For the extraction business with technical support, employees can sign an online comprehensive business service agreement or complete real-name authentication with the Municipal Provident Fund Center through the online service platform recognized by the Municipal Provident Fund Center, and then submit an application for extraction through the personal online business platform.

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