Extraction of Housing Provident Fund in Weihai City

Under any of the following circumstances, employees can withdraw part or all of the storage balance in their personal accounts of housing provident fund in accordance with regulations. (a) the purchase, construction, renovation and overhaul of owner-occupied housing. (two) to repay the principal and interest of individual housing loans. (three) the rent expenditure exceeds the family wage income by more than 30%. (4) Retirement. (five) losing the ability to work and terminating the labor relationship with the unit. (6) go abroad to settle down. (seven) died or was declared dead during service. (eight) to enjoy the urban minimum living guarantee. (nine) laid-off workers and family life is difficult. (ten) employees who are not registered in this Municipality leave their jobs and return to their hometowns, and terminate their labor relations with their units. (eleven) transferred from the city. (12) Migrant workers pay rent. Five insurances and one gold inquiry, withdrawal of provident fund for serious illness, and the inquiry of provident fund meet the specific meaning of the above withdrawal conditions. (a) the purchase, construction, renovation, overhaul of owner-occupied housing refers to the withdrawal of housing provident fund for the use of ordinary housing for employees who live in their own homes and have housing property rights. Does not include office buildings, commercial buildings, garages, parking spaces, etc. 1. The owner-occupied houses purchased include forward houses, existing houses, second-hand houses, affordable houses and demolition houses (increase the purchase area). 2. The construction of owner-occupied housing refers to the housing built by local residents with the approval of real estate management authorities, urban planning management authorities and other departments or with the approval of villagers' committees according to the provisions of the Measures for the Administration of Urban Individual Housing Construction. 3. The renovation of owner-occupied housing refers to the houses that have been completely demolished, designed and rebuilt in accordance with the provisions of the Scope and Standards of Housing Renovation (Trial). 4. Overhaul of owner-occupied housing refers to the housing that needs to be relocated or replaced according to the provisions of the Scope and Standards for Housing Repair (Trial), but does not need to be completely demolished, and the cost accounts for more than 25% of the total housing value. Decoration, decoration, etc. Is not within the extraction range. (2) Repaying the principal and interest of individual housing loans means that employees apply for individual housing provident fund loans, individual housing portfolio loans and commercial individual housing loans, and repay them on schedule for more than 1 month, and can apply for annual withdrawal of the amount in their own and their spouses' individual housing provident fund accounts for repayment of loan principal and interest. If the loan is paid off in advance in one lump sum, you can also go through the withdrawal procedures; If you don't apply at the same time, you can apply for withdrawal within one year. The withdrawal amount cannot exceed the last one-time repayment amount. Except for the one-year loan, if the loan is paid off normally according to the loan term agreed in the contract, the withdrawal formalities will not be handled. Employees who use housing provident fund loans (including provident fund loans in portfolio loans) can choose to repay by annual withdrawal or monthly withdrawal, and the interval between the two withdrawal methods must be 12 months. The specific operation shall be carried out in accordance with the Management Regulations on Monthly Withdrawal and Repayment. (three) the rent expenditure exceeds the family wage income by more than 30%. When the rent expenditure accounts for more than 30% of the family wage income (referring to the income of both husband and wife), employees can apply for more than the prescribed proportion. Those that do not exceed the prescribed proportion cannot be extracted. (4) Retirement. After an employee reaches the statutory retirement age and goes through the retirement formalities, he can withdraw all the balance in his housing provident fund account and go through the cancellation procedures. (five) losing the ability to work and terminating the labor relationship with the unit. Loss of working ability refers to the fact that employees are disabled at 1-4 level due to accidents, disasters and other reasons, and cannot continue to work. (6) go abroad to settle down. It refers to the application to settle abroad or abroad because of inheriting foreign heritage, marrying foreigners or emigrating. It does not include non-settlement situations such as going abroad for further study and study. (seven) to enjoy the urban minimum living guarantee. Refers to the urban and rural minimum living allowance recognized and received by the civil affairs department. (eight) laid-off workers and family life is difficult. Refers to the laid-off and unemployed for more than one year, and the annual inspection by the relevant departments, and the proof of family life difficulties issued by the neighborhood offices, neighborhood committees or village committees.

Legal objectivity:

In Items (1) and (3) of Article 24 of the Regulations on the Administration of Housing Provident Fund, employees may withdraw the storage balance in their housing provident fund accounts under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (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. 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.