Ask for advice on a question of withdrawing provident fund.

Non-loan purchase of proprietary commercial housing, affordable housing, public housing and resettlement housing and other self-occupied housing, employees themselves and their spouses can extract.

Construction, renovation, overhaul of owner-occupied housing with property rights, employees themselves and their spouses can quit.

If the loan is used to purchase owner-occupied housing and repay the principal and interest of the loan, the employee himself and his spouse (* * * and the repayment person) can withdraw it.

If my spouse and I don't own a house and rent a house at the deposit place, the employee and his spouse can withdraw it.

Transferred from the city or registered permanent residence to move out of the city, the workers themselves can extract.

Non-local hukou, termination of labor relations with the unit, employees themselves can quit.

If the employee terminates the labor relationship with the unit and has not been re-employed for two years, the employee himself may withdraw.

If the employee completely loses the ability to work and terminates the labor relationship with the unit, the employee himself may withdraw.

Retirement, resignation, employees themselves can quit.

If an employee dies or is declared dead, his successor or legatee may withdraw it.

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

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.

Where a unit is dissolved, bankrupt or abandoned, it shall go through the formalities for the transfer or withdrawal of individual housing provident fund accounts for employees before the dissolution, bankruptcy or abandonment.

If the rented government-owned public rental housing is used to pay the rent, both the employee himself and the applicant (spouse and children) who applies for the qualification of public rental housing can withdraw it.

Employees and their spouses, minor children, suffering from major diseases (malignant tumor, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, sequelae of encephalitis sequela or meningitis, deep coma, deafness in both ears, severe aplastic anemia, aortic surgery, etc.). ) causing serious difficulties in family life, employees themselves and their spouses can extract them in batches.

What are the procedures?

Able to handle

Key words: ID card, withdrawal application and relationship certificate.

Be sure to bring these.

When employees are extracted.

I must provide my ID card and the Application for Withdrawal of Housing Provident Fund (in duplicate).

Proof of relationship (marriage certificate or household registration book) must also be provided when extracting the spouse or lineal blood relatives of the same household registration.

Extracted by others.

You must also provide the agent's ID card.

The following on-demand tapes

Non-loan purchase of owner-occupied housing, but also to provide the "housing ownership certificate", the withdrawal amount of more than 200 thousand, but also to provide deed tax payment certificate; Without obtaining the "Property Ownership Certificate", the house sales contract and purchase invoice filed online by the real estate department shall be provided.

When building or renovating self-occupied housing, it is also necessary to provide state-owned land use certificate (collective land use certificate), construction project planning permit, purchase of building materials, project cost invoice and house ownership certificate.

If the loan is used to purchase owner-occupied housing and repay the principal and interest of the loan, the following supporting materials shall be provided: a. If the principal and interest of the housing provident fund loan are repaid, a loan contract shall be provided; B. Repay the principal and interest of commercial personal housing loans, and provide loan contracts and recent repayment vouchers.

If you are transferred from the city or move out of the city, you need to provide a business transfer letter or a proof of moving out of the city.

If you have not been re-employed for two years after terminating the labor relationship with the unit, you must also provide the employment and unemployment registration certificate of Heilongjiang Province.

If you retire, you must also provide a retirement certificate or retirement approval form.

If an employee dies or is declared dead, he must also provide the employee's death certificate and legal inheritance certificate.

If you leave the country to settle down, you must also provide the exit and entry approval documents issued by the public security and other relevant departments or the long-term residence certificate of the country (region) where you have settled.

If the unit is disintegrated, bankrupt or abandoned, it must also provide the cancellation certificate of the unit issued by the administrative department for industry and commerce or the relevant approval documents issued by the original superior competent department.

Non-loan purchase of owner-occupied housing with property rights

You can withdraw the balance of the housing provident fund account at one time, but the withdrawal amount shall not exceed the purchase price.

Construction, renovation and overhaul of owner-occupied housing with property rights

You can withdraw the storage balance in the 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.

Loan to buy self-occupied housing and repay the principal and interest of the loan.

You can withdraw the storage amount of the housing provident fund account by stages, but the accumulated withdrawal amount shall not exceed the total loan principal and interest.

Rent expenditure exceeds 25% of family income.

You can withdraw the storage amount of the housing provident fund account by stages, but the accumulated withdrawal amount shall not exceed the actual expenditure amount.

Self-occupied housing into the municipal government shed demolition project.

You can withdraw the storage balance of the housing provident fund account at one time.

It has been rented out by the government to pay the rent.

It can be withdrawn once every quarter, and the amount of each withdrawal shall not exceed the amount of the rent bill already paid, and the accumulated amount of withdrawal each year shall not exceed the amount of the rent actually paid in that year.

Workers and their spouses and minor children who suffer from serious diseases and cause serious difficulties in family life.

Employees themselves and their spouses can withdraw the balance of the housing provident fund account by stages, but the accumulated withdrawal amount shall not exceed the personal burden.

Legal advice source: network link

Transferred from the city or registered permanent residence moved out of the city, non-local registered permanent residence and terminated labor relations with the unit, terminated labor relations with the unit without re-employment for two years, completely lost labor ability and terminated labor relations with the unit, retired, died or was declared dead, and left the country to settle down.

Withdraw the balance of my housing provident fund account at one time and cancel my personal account at the same time.