Jinan withdraws housing accumulation fund.

The housing accumulation fund system is actually a housing security system and a form of monetization of housing distribution. The housing accumulation fund system is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed. Units and individual employees must fulfill their obligations to pay housing provident fund according to law. The following are the materials I collect for the * * provident fund every month. Welcome to refer to!

Extraction condition

1. Basic conditions: If one of the following conditions is met, Jinan housing accumulation fund can be withdrawn.

(1) Purchase, build, renovate and overhaul the urban self-occupied housing with property rights;

(2) retirement;

(3) completely losing the ability to work and terminating the labor relationship with the unit;

(4) The registered permanent residence has moved out of the administrative area of Jinan or left the country to settle down;

(five) to repay the principal and interest of individual housing provident fund loans;

(6) the rent exceeds the prescribed proportion of family wage income;

(7) The employee dies or is declared dead during work;

(8) Enjoy the minimum living guarantee for urban residents and pay the rent.

2, Jinan housing provident fund specific extraction conditions

(1)** Purchase conditions of provident fund

A employees, spouses and lineal blood relatives living in the same account can obtain valid vouchers and certification materials within three years.

B. Withdraw the storage balance of housing provident fund at one time, and the total withdrawal amount shall not exceed the actual expenditure of purchasing self-owned housing, and a set of housing can only be withdrawn once.

(2)** Extraction conditions for public accumulation fund renting house

A. If there is no room to rent a house in this city, and the rent exceeds 0/5% of the salary income of immediate family members with the same household registration/kloc-0, employees, spouses and immediate family members with the same household registration * * * can withdraw their housing accumulation fund at the same time, once a year, and the interval between two withdrawals is not less than 12 months.

B. The total withdrawal amount of employees, spouses and immediate family members living in the same account shall not exceed the part where the actual family expenditure and rent exceed the family wage income 15%, and the maximum annual withdrawal amount is12,000 yuan.

C. If you need to pay the rent or property management fee to enjoy the minimum living guarantee for urban residents, the extraction is limited to employees and their spouses who enjoy the minimum living guarantee, and can be extracted once a year, and the interval between two extractions is not less than 12 months. The withdrawal amount shall not exceed the rent or property fee actually paid by the family in that year, and the maximum annual withdrawal amount is 12000 yuan.

(3)** Conditions for repayment of provident fund

A. To repay the principal and interest of the loan for purchasing self-owned housing, employees and their spouses can withdraw the housing accumulation fund once every year after the principal and interest are repaid as stipulated in the loan contract, and the time interval between the two withdrawals is not less than 12 months.

B housing provident fund loans and portfolio loans shall not be withdrawn for other non-cancellation reasons before they are paid off.

C. If the principal and interest are not repaid within the time limit, it is necessary to pay off the principal and interest in arrears before handling the loan withdrawal. The total amount of withdrawal shall not exceed the repaid principal and interest in the repayment year (from the last withdrawal to this withdrawal).

(4)** Withdrawal conditions for entrusted repayment of provident fund

If the withdrawal of housing provident fund is used to repay the principal and interest of housing provident fund loans or portfolio loans, you can entrust the provident fund center to transfer the withdrawal amount directly to the joint card of the withdrawal of housing provident fund or deposit it in other savings accounts of the bank by automatic transfer (hereinafter referred to as the entrusted withdrawal of housing provident fund) according to the signed agreement. Conditions: a. Housing provident fund loans or portfolio loans have been handled. B. Employees and their spouses whose loan term is more than 3 years (inclusive) may sign an entrustment withdrawal agreement with the provident fund center.

(5)** Non-housing extraction conditions such as provident fund retirement.

A, formal retirement, complete loss of labor ability and termination of labor relations with the unit.

B, unemployment or termination of labor relations with the unit for more than two years, and men over 50 years old, women over 45 years old, dead or declared dead.

C. When withdrawing according to the above conditions, all the principal and interest stored in the employee's individual housing provident fund account will be settled, and the employee's housing provident fund account will be cancelled at the same time.

D, go abroad (border) to settle down.

E, transferred from the city and set up a personal account of housing provident fund in a new work unit (it can also be handled through the transfer of housing provident fund in different places).

F. Employees and units who are not registered in Jinan terminate their labor relations or their household registration moves out of the administrative area of Jinan and leaves the city.

G, according to the above conditions, extract all the storage principal and interest in the employee's individual housing provident fund account, and cancel his housing provident fund account at the same time.

Extraction process

1. Employees should apply to their own units before withdrawing housing provident fund. After reviewing the relevant materials submitted by individuals, if they meet the extraction conditions, fill in the "Approval Form for the Extraction of Housing Provident Fund in Jinan City" and affix the official seal of the unit. The unit manager or extractor shall go through the examination and approval formalities at the provident fund center with relevant certification materials. The provident fund center shall immediately examine and approve those who meet the extraction conditions, and if the relevant information provided by the applicant needs to be investigated and verified, the provident fund center shall make a decision on whether to approve or disapprove the extraction within 3 working days from the date of accepting the application, and notify the applicant.

2. After being approved by the Provident Fund Center, the extractor shall go through the formalities of extraction and deposit at the bank with the Approval Form for Extraction of Housing Provident Fund in Jinan and the Certificate for Deposit of Housing Provident Fund issued by the Provident Fund Center.

3. If the employee housing provident fund has been transferred to the custodian of the provident fund center for storage, I can apply directly to the provident fund center with the relevant certification materials and the original and photocopy of the ID card.

4, Changqing, Zhangqiu, Pingyin, Jiyang, Shanghe employees to withdraw housing provident fund, with the required application materials to the local bank for preliminary examination, and then the bank will submit the preliminary examination materials to the provident fund center for examination and approval, after approval, the bank for extraction and payment procedures.

Extract material

Basic materials

1. When employees withdraw housing provident fund, they should provide the Approval Form for Withdrawing Housing Provident Fund in Jinan and the original and photocopy of the ID card of the extractor.

2. If the name of the applicant is not recorded in the extraction certification materials, the original and photocopy of the marriage certificate or household registration book shall be provided.

3. If a foreigner's permanent residence permit is obtained, the foreigner's permanent residence permit shall be taken as the valid identity document.

4, entrust others to extract, must issue a "power of attorney" and the original and photocopy of the agent's ID card, the original and photocopy of the applicant's ID card.

In addition to the above materials, the following materials should be provided according to the specific extraction conditions.

1, * * Purchase and extraction materials of the city's provident fund

(1) If you purchase your own house and have not applied for a housing provident fund loan, you should provide the original and photocopy of the house ownership certificate and deed tax payment certificate of the purchased house;

(2) If the house ownership certificate has not been obtained, provide the original commercial house sales contract registered on Jinan Real Estate Information Online and the original and photocopy of the full purchase invoice uniformly printed by the tax authorities or the full payment receipt of Jinan real estate enterprises.

2, * * provident fund off-site purchase extraction materials

If you buy your own house in a different place, you should provide the original and photocopy of the house ownership certificate, the original and photocopy of the deed tax payment certificate, the original and photocopy of the commercial housing sales contract, and the original and photocopy of the full purchase invoice uniformly printed by the tax authorities.

3, * * provident fund rental materials

(1) If there is no self-owned house in this city, and the rent exceeds 15% of the family wage income, proof materials should be provided: the original and photocopy of the household registration book that proves the relationship between * * * and the family members who are living now, the original income certificate of the family members (if the family members have no income, the relevant certificate of the neighborhood office or community where they are located should be provided), the certificate of no self-owned house issued by the housing management department, and the certificate of house lease issued by the housing management department.

(2) If you need to pay rent or property fees to enjoy the minimum living guarantee for urban residents, you should provide proof materials: the original and photocopy of the minimum living guarantee certificate for urban residents, the house lease contract, the rent invoice, the property service fee invoice, etc.

4, * * provident fund retirement and other non-housing extraction materials

(1). If you purchase your own house according to the relevant provisions of the housing reform policy, you should provide the original and photocopy of the property ownership certificate or the original and photocopy of the valid purchase invoice, and the purchase agreement or the housing reform allocation form.

(2) If the owner-owned house is purchased for demolition and resettlement and the housing provident fund loan is not applied, the original and photocopy of the Demolition Property Rights Exchange Agreement or the House Demolition and Resettlement Agreement and the Settlement Form for Demolition and Resettlement Compensation shall be provided.

(3) Proof materials that employees should provide to repay their own commercial housing loans for the first time: the inquiry results of this loan, the original commercial housing sales contract and housing loan contract registered online, and the original and photocopy of valid proof materials that the loan issued by the loan bank has been repaid for one year (the last twelve issues) are recorded in the credit investigation of China People's Bank.

(4) If the employee repays the commercial loan for self-owned housing and withdraws it again, it shall provide the supporting materials: the original commercial housing sales contract registered online, the valid repayment certificate for one year (the last twelve issues) or the original and photocopy of the supporting materials issued by the bank.

(5) If the employee repays all (or part) of the house purchase loan in advance, it shall provide the supporting materials: the original commercial house sales contract registered online, the original housing loan contract and the original and photocopy of the settlement certificate or early repayment certificate issued by the loan bank.

(6) If an employee officially retires, he/she shall provide supporting materials: the original and photocopy of the retirement certificate or the original and photocopy of the document approved by the unit for his/her retirement.

(7) In case of complete loss of labor ability and termination of labor relations with the unit, the certification materials shall be provided: the original and photocopy of the notice of labor ability appraisal conclusion issued by the labor ability appraisal department or the original and photocopy of the disability certificate (1-4 level) issued by the civil affairs department, and the original and photocopy of the certificate of termination of labor relations with the unit.

(8) For those who have been unemployed or have terminated their labor relations with our company for more than two years, if the male is over 50 years old and the female is over 45 years old, they shall provide proof materials: the original and photocopy of the unemployment certificate or the certificate of termination (dissolution) of labor relations.

(9) In case of death or being declared dead, proof materials shall be provided: the original and photocopy of the ID card of the heir or legatee, the death certificate and photocopy issued by the hospital, the public security department or the judicial department, and the inheritance certificate notarized by the notary department; 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.

(10), certification materials to be provided for going abroad (territory) for settlement: the original and photocopy of the immigration approval document or long-term residence certificate of the country (region) for settlement.

(1 1). If the individual account of housing provident fund has been withdrawn in this city and established in a new work unit, the supporting materials shall be provided: the certificate of dissolution (termination) of labor relations with the unit, the original and photocopy of the admission notice, and the certificate of opening an account of housing provident fund issued by the housing provident fund management center of the new work unit. You can also transfer the account balance to the provident fund center in your new workplace by transferring money from different places.

(12), the certification materials that should be provided for employees and units with non-local registered permanent residence to terminate their labor relations or their registered permanent residence to move out of Jinan administrative area and leave the city for extraction:

A. For those who are not registered in this city, provide the original and photocopy of the certificate of dissolution (termination) of labor relations, household registration book, personal social security transfer slip or social security participation certificate.

B. If the household registration moves out of the administrative area of Jinan, the original and photocopy of the certificate of dissolution (termination) of labor relations and the certificate of migration issued by the household registration management department shall be provided.

Withdrawal limit

1, you can extract them all.

(1) Retirement;

(2) completely losing the ability to work and terminating the labor relationship with the unit;

(three) the account moved out of the administrative area of Jinan City or settled abroad;

(4) The employee dies or is declared dead during work;

2. It can be partially extracted

(1) Purchase, build, renovate and overhaul the urban self-occupied housing with property rights;

(two) to repay the principal and interest of individual housing provident fund loans;

(3) the rent exceeds the prescribed proportion of family wage income;

Note: 1, which can be partially withdrawn: when the balance in the employee's own housing provident fund account is insufficient, the insufficient balance can be withdrawn from the housing provident fund account of his spouse and immediate family members (children of my parents) with the same household registration at the same time, and the withdrawal amount is an integer multiple of 100 yuan. 2. If the rent exceeds the specified proportion of the family wage income, the rent exceeding 12% of the family income can be paid by the paid housing provident fund, and the withdrawal amount shall not exceed the rent actually paid by the family in that year exceeding 12% of the family wage income. 3, enjoy the minimum living guarantee for urban residents and pay the rent, you can withdraw the housing provident fund in the employee account once a year, and the amount of withdrawal shall not exceed the rent actually paid by the family in that year.

Extraction time

1, extraction time limit

(1) Time limit for extracting rent category

A. If you rent a house in this city without your own house, you can withdraw it once a year, and the interval between two withdrawals is not less than 12 months.

B, enjoy the minimum living guarantee for urban residents and need to pay rent or property management fees, can be extracted once a year, and the time interval between two extractions is not less than 12 months.

(2) the purchase period.

Within three years after obtaining valid vouchers and certification materials, the storage balance of housing provident fund shall be extracted at one time, and the total amount of extraction shall not exceed the actual expenditure of purchasing self-owned housing, and a set of housing can only be extracted once.

(three) other extraction period

Time limit for cancellation and withdrawal of housing provident fund account: a. Immediate approval of provident fund centers that meet the withdrawal conditions. B if the relevant information provided by the applicant needs to be investigated and verified, the provident fund center shall make a decision on approval or disapproval of withdrawal within 3 working days from the date of accepting the application, and notify the applicant.

Time limit for withdrawal of entrusted loan repayment of housing provident fund: the entrusted provident fund center will directly transfer the withdrawal amount to the joint housing provident fund card of the drawer or deposit it into other savings accounts of the bank by automatic transfer every year according to the signed agreement. Time limit for withdrawal of housing provident fund loan repayment: housing provident fund can be withdrawn once after one year of repayment of principal and interest as agreed in the loan contract, and the time interval between two withdrawals is not less than 12 months.

2, provident fund withdrawal to account time

Workers withdraw housing provident fund into the provident fund card, the management center on the same day to inform the Bank of Shang Hui; If it is transferred to the company's settlement account, the * * Provident Fund Management Center will notify the opening bank to make the transfer. Under normal circumstances, it can be transferred to the company settlement account within 3-5 working days.