How does Zhaoqing handle the withdrawal of housing provident fund?

How to handle the withdrawal of Zhaoqing housing provident fund? Applicants should go to Zhaoqing Provident Fund Management Center (or Management Department) to handle the window, fill in the Application Form for Housing Provident Fund Extraction and submit relevant materials. The following Articles 6 to 1 1 need to be withdrawn after revocation, and each withdrawal must be more than one year apart (except for revocation, retrospective withdrawal and early repayment). For the first time, if it is a pure commercial loan, it must be applied one month after repayment. If it is a housing provident fund loan or a portfolio loan, it must be applied six months after repayment. If it is withdrawn after repayment, it can be applied for withdrawal through entrusted automatic transfer. At the time of handling, the depositor's ID card, housing provident fund joint card and related materials corresponding to the following extraction conditions shall be provided 1 copy each. If the "Registration Certificate of Housing Provident Fund Withdrawal" has been issued, the registration certificate shall be provided. When buying a house, building a house (including housing loan) or renting a house for the first time, you should also provide your spouse's ID card and marriage certificate (if you are unmarried, you should provide your household registration book). The agent must also provide the agent's ID card. If a depositor applies for withdrawal business before applying for a joint card, he shall provide his current savings passbook or account-related savings card, which shall be handled by the depositor himself. Withdrawals are transferred to personal bank accounts by transfer, and cash withdrawal is cancelled. Article 1 If the owner-occupied house has not been loaned: (1) If the property right certificate has been obtained, the property right certificate and deed tax payment certificate shall be provided. (2) If the property right certificate is not obtained, provide the purchase invoice, commercial housing sales contract (official receipt of second-hand housing management department) and deed tax payment certificate. (3) It can be extracted in two phases, and the total amount of housing provident fund extracted cannot exceed the total house price. The above information must be provided in the first installment, and only the ID card and co-branded card are required in the subsequent installments. Article 2 Purchase of owner-occupied housing by loan: (1) First withdrawal: loan contract for first-hand housing, repayment voucher of the current year, commercial housing sales contract, down payment invoice and deed tax payment certificate; Second-hand houses provide loan contracts, repayment vouchers of the current year and deed tax payment certificates. The limit includes the down payment plus the repayment amount. (2) Subsequent withdrawals: each withdrawal shall provide repayment voucher of the current year, and the amount shall not exceed the repayment principal and interest of the current year until the loan is settled. Article 3 The construction or renovation of self-occupied housing shall be investigated on the spot by the staff of the management center (management department): (1) Construction or renovation of self-occupied housing without loans:1; If there is no real estate license, 1 provide the land ownership certificate of urban construction (or land department) above the town level; 2. One of the following materials: construction permit, construction land planning permit, construction project planning permit and completion acceptance certificate issued by relevant departments at or above the town level. 2, rural construction and transformation outside the town planning, provide opinions issued by the villagers committee; 3. If the property right certificate has been handled, provide the property right certificate; 4. The calculation of the total amount of construction extraction is based on multiplying the construction area of ordinary housing by the reference cost standard of urban construction projects (private houses) in our city (or the cost standard of the construction cost book issued by a qualified cost consulting company). (According to the reference cost standard of urban construction project published by Zhaoqing Construction Engineering Cost Management Station 20 13, it is 935 yuan/m2) Calculation standard of common housing construction area: According to the Notice of Guangdong Provincial Construction Department on Determining the Standard of Common Housing in our province (Yue Jian [2005] No.58), "Ordinary housing" means: "The interior area of a single apartment is/kloc-. Construction (renovation) of self-occupied houses with a construction area of no more than 144 square meters shall be calculated according to the actual area, and if the construction area exceeds 144 square meters, it shall be calculated according to 144 square meters. 5. It can be extracted in two times, and the total amount of extraction shall not exceed the total amount of building extraction calculated according to the above standards. The above information shall be provided for the first extraction, and only the ID card and joint card shall be provided for the subsequent extraction. (2) Loan to build self-occupied housing: 1. First withdrawal: provide land ownership certificate, construction project planning permit (certificate of completion and acceptance of completed projects), construction cost book, loan contract and repayment voucher for the current year. The first withdrawal amount shall not exceed the first payment plus the repaid loan amount. The first payment = the total withdrawal amount-loan amount of the building. If the total withdrawal amount-loan amount of the building is negative, only the repayment amount can be withdrawn. 2. Subsequent withdrawals: each withdrawal shall provide the repayment certificate of the current year, and the amount shall not exceed the repayment principal and interest of the current year until the loan is settled. Article 4 The overhaul of self-occupied houses requires on-site investigation by the staff of the management center (management department): (1) Provide the overhaul safety appraisal certificate issued by the relevant departments (proving that there are structural safety problems or hidden dangers in the house that need to affect or replace some main components), the project budget (or settlement book, or the invoice for purchasing building materials), and the real estate title certificate (land use certificate of rural homestead or collective land). (two) the application must be made within one year from the time of obtaining the safety appraisal certificate, and the withdrawal amount cannot exceed the overhaul cost. Article 5 If the monthly rent for renting a house for self-occupation exceeds 15% of the monthly family income: (1) Provide the lease contract (registered and filed by the housing management department), lease invoice and proof of family members' income. (2) During the lease term, the withdrawal amount for each application shall not exceed: (monthly rent -65438+ 05% of the monthly income of the family) multiplied by the number of months in the current year. (3) If the company rents a house, it shall provide the "Guangdong Province Public Rental Housing Lease Contract" and the "Rent Register", and each withdrawal amount shall not exceed the monthly rent multiplied by the number of months in the current year. Article 6. Retirees: If they can't provide retirement certificates at retirement age for some reason, the unit will issue relevant certificates, handle retirement and cancel their accounts. Article 7 Persons who have settled abroad or settled in Hong Kong, Macao and Taiwan shall provide a certificate of cancellation of household registration or a certificate of leaving the country for settlement (one-way permit for Hong Kong and Macao, or a notice from the Immigration Bureau or a settlement visa) and a certificate of termination (dissolution) of labor relations. Article 8 Where the depositor with non-local household registration (Zhaoqing area) terminates (cancels) the labor relationship with the unit, or the depositor with non-local household registration is transferred to other provinces, it shall provide the household registration certificate, the certificate of termination (cancellation) of the labor relationship, and the certificate of transfer when transferring to other provinces; If it is transferred in the province, the housing provident fund will be transferred to a new unit. Unable to provide relevant certification materials or handle the transfer, the transfer management center will keep it centrally or temporarily seal it in the original unit. Article 9 Unemployed persons who have been unemployed for more than three years, or women who have reached the age of 45 and men who have reached the age of 50: women who have reached the age of 45 and men who have reached the age of 50, shall provide termination (dissolution) of labor relations contracts (or certificates); If the unemployment time reaches the third anniversary, the unemployed workers in this city shall provide a written decision or unemployment certificate issued by unemployment insurance benefits, and the unemployment time shall be subject to the unemployment registration (the labor termination time shall be subject to the migrant workers in agricultural registered permanent residence). Article 10 Persons who completely lose their ability to work and terminate their labor relations with the unit: provide the appraisal certificates of the labor department and the hospital, and terminate (terminate) the contract (or certificate) of labor relations. Article 11 The deceased or the decedent's heirs and legatees: provide the depositor's death certificate, the identity card of the heirs or legatees (minor children provide the household registration book or birth certificate showing lineal relatives), and notarized documents (or legal documents in force by the people's court) to prove the right of inheritance or legacy. All heirs or legatees should go to the handling window (minors should be handled by guardians). Article 12 Special conditions for withdrawal (1) For families with unmarried children, parents and their children have never withdrawn housing provident fund before, and parents or children can apply for withdrawal of housing provident fund when buying a house. After the children get married, they can only apply for housing provident fund from a house where they have property rights. (2) Extraction before marriage 1. Housing provident fund has been withdrawn before marriage, and if a house is purchased after marriage, both husband and wife can only choose one house to withdraw (the total number of houses withdrawn cannot exceed two, except those that have been sold). 2. Before marriage, both parties borrowed money to buy a house. After marriage, both husband and wife can draw their own provident fund to repay the loan, and they can complement each other only after paying off the housing loan. (three) the purchase of a second set of housing extraction (our city can only use a set of housing to extract housing provident fund, except in the following circumstances). 1. If the provident fund is not withdrawn, the second set of self-occupied housing can be withdrawn normally. 2. If the provident fund has been withdrawn, it must have the sales certificate of the original house, and provide one of the following materials: the inquiry certificate issued by the entrusted municipal management center (management department) in the housing management department, the deed tax payment certificate of the house transfer, the transferee's real estate license, and the house transfer sales invoice. 3. If you transfer to another place to work and transfer the deposit place of housing provident fund, the husband and wife will separate to buy a second set of self-occupied housing (this situation does not include the separation or transfer of husband and wife in Duanzhou District, Dinghu District and Gaoyao City): if you apply for housing provident fund in your original place of work, you can buy a new set of self-occupied housing in your new place of work (both husband and wife have never bought a house in your new place of work before), and you can buy a new set of housing and withdraw it; If separated, you can buy a new house. 4. If the original housing divorce agreement or judicial judgment belongs to the other party, two years after the divorce, the newly purchased housing can be withdrawn from the housing provident fund. (4) In all the above cases involving the withdrawal of the second house, the calculated amount shall be deducted from the withdrawn housing accumulation fund. In the case of a loan, if the down payment is negative after deducting the withdrawal amount, only the repayment amount can be withdrawn. (5) Self-built houses shall be handled according to the above points (1) to (4). Thirteenth extraction of housing provident fund but did not enjoy the housing provident fund loan policy, can apply for housing provident fund loans, without repayment. The original housing has not yet been sold, and after three years of repayment, it will continue to apply for the withdrawal of housing provident fund according to the original withdrawal method. If the original housing has been sold, it will be handled according to the provisions on the withdrawal of the second housing. Article 14 Application for withdrawal of housing provident fund by installing elevators in old houses: If the owners of real estate and their spouses, parents and children invest in installing elevators and apply for withdrawal of housing provident fund, each person can only withdraw it once, and the total amount of withdrawal shall not exceed the cost of installing elevators shared by the depositor's family. Provide the following information: 1, real estate ownership certificate; 2. A copy of the construction permit (sealed by the issuing authority for confirmation); 3, elevator installation cost sharing agreement and other valid proof materials; 4, management center (management department) staff on-site investigation data; 5. ID card (marriage certificate is required for application as spouse, household registration book or relationship certificate is required for application as children or parents) Article 15 Withdrawals for prepayment to commercial loan accounts shall be filled out at the counter of the management department as required. (1) prepay the commercial loan account, including the prepayment application form and the balance sheet of the lending bank in the current month, examine and approve the withdrawal amount within the loan balance, and transfer the funds to the loan account; If the account name of the loan account is the depositor himself, it can be handled on behalf of others (in principle, it is the spouse or co-owner), but it cannot be handled on behalf of the depositor himself. The applicant must go through the transfer formalities at the bank outlet within 10 days after approval; (2) If the prepayment deduction formalities have been handled in the loan bank, the prepayment bill or statement (bank seal) shall be provided; Article 16 Application for withdrawal of housing provident fund in special hardship cases (1) Suffering from serious illness or accidental serious injury: provide medical diagnosis certificate or disability appraisal issued by the hospital and hospital-related vouchers (hospitalization expenses list, receipts, medical insurance reimbursement materials), and the total withdrawal amount of depositors, spouses, parents and children shall not exceed the medical expenses borne by individuals). (2) If the depositor who is included in the minimum living guarantee for urban and rural residents applies for withdrawing the housing provident fund, he shall apply during the period of enjoying the minimum living guarantee for urban and rural residents, and provide the minimum living guarantee certificate for poor families issued by the local civil affairs department (the minimum living guarantee certificate for urban and rural residents (villagers)). (3) In case of other unexpected events that cause serious difficulties to the family, relevant certification materials shall be provided and approved by the management center. Article 17 If an individual opens an account and re-opens an account with the same company within 3 months after closing the account, he must re-open the account after 3 months, and at the same time, he should also return the unpaid amount and the amount withdrawn when closing the account. Eighteenth applicants (or family members) must have the housing ownership involved in "purchasing, repaying loans, building, renovating and overhauling self-occupied housing". Nineteenth husband and wife unilaterally purchase, build and withdraw the rent. If the other party needs to withdraw the provident fund, they need to provide a marriage certificate. Both husband and wife can only withdraw the same house. Twentieth housing provident fund loans, based on the data of our business system, there is no need to provide another housing provident fund loan contract and loan repayment certificate. Article 21 Description of the calculation method of the withdrawal amount: (1) If the depositor, his family members and co-purchasers apply for the same set of housing to withdraw the housing provident fund, the withdrawal amount shall be calculated together. (two) the withdrawal of housing provident fund involves family members or pre-marital and post-marital situations, and shall provide family members' ID cards, marriage certificates, household registration books and other supporting materials. (3) The difference between the first withdrawal and the early repayment can be traced back to the future, and the two situations can only be traced back once (the sold house cannot be traced back). (Note: Due to the new housing provident fund business management system, the start time of this business will be notified separately. Article 22 (1) The term "housing loan" as mentioned in these Guidelines refers to the purchase of self-occupied individual first-hand housing (second-hand housing) loans or housing loans, and the investment or consumer mortgage loans such as shops, decoration and car purchases that cannot be withdrawn from the housing accumulation fund. (2) "Family members" refer to the spouses of depositors and their unmarried children. Twenty-third purchase of second-hand housing to apply for the withdrawal of housing provident fund, the same suite in a year the same suite can only be withdrawn once at most. Article 24 Time limit for examination and approval: 3 working days, except for special circumstances such as verification, retrieval of files, supplementary materials, purchase of houses in different places, retrospective extraction, etc.