The latest provisions on the conditions for withdrawal of provident fund in 2022

Workers in any of the following circumstances may apply for withdrawal of housing provident fund.

1. In case of purchasing owner-occupied housing, other certificates such as purchase contract and agreement or approval documents from administrative departments such as construction and land shall also be provided.

2, renovation, overhaul occupied housing, provide the approval documents of the planning administrative department or other documents.

3. If you retire, provide proof of retirement.

Conditions and requirements for withdrawing housing provident fund

Housing consumption extraction:

1. Buy self-occupied housing; Overhaul and transformation of self-owned housing; Self-built and self-owned housing;

2. The rent exceeds the prescribed proportion of family wage income;

3. Repay the principal and interest of the housing loan.

Cancellation of account:

1. Retired;

2. Go abroad to settle down;

3. Completely lose the ability to work and terminate the labor relationship with the unit (both conditions are indispensable);

4. death.

Conditions for withdrawal of housing provident fund

1, take one-time payment to purchase owner-occupied housing, which can be withdrawn once a year;

2. If a loan or installment payment is adopted, it can be withdrawn once every quarter;

3. If the rent exceeds the specified proportion of family wage income, it will be withdrawn in March and April every year.

Requirements for submitting housing provident fund

(A) the withdrawal of housing consumption

1. Employees who take lump-sum payment shall provide purchase contracts or agreements, purchase invoices or withdrawal receipts.

2. If the owner-occupied house is purchased by means of loan or installment, a loan contract shall be provided, and it shall be withdrawn by the down payment invoice.

3. For the construction of owner-occupied housing, it is necessary to provide the homestead approval or other building approval documents and purchase invoices issued by the planning and housing management departments at or above the township level before extraction.

4, overhaul occupied housing, people living in bungalows should provide the repair application put forward by the property owner, the repair certificate issued by the housing management department, and the invoice for the repair cost; People living in the building should provide the repair certificate of the property management department and the invoice allocated to the residents for withdrawal; If you live in rural areas, you need to provide the overhaul, transformation and property right certificate and purchase material invoice issued by the housing management department at or above the township level when extracting.

5. If the payment exceeds 5% of my shared salary income, provide the income certificate and lease contract issued by the unit (referring to the valid contract approved by the housing management department), as well as the rent payment invoice of the previous year.

The above is the specific content of the conditions and requirements for the withdrawal of provident fund. From the above description, we know that housing provident fund can be withdrawn when buying a house, building a house, overhauling a house or paying rent, or when closing a household. According to different uses, the frequency and time of withdrawal are different. It can be seen that the housing provident fund is not very useful for our daily life.

Legal basis:

Article 24 of the Regulations on the Management of Housing Provident Fund stipulates that in any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

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

(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.