How to get the housing provident fund after leaving your job?

Withdrawal conditions

Article 7 If an employee has any of the following circumstances, he or she may withdraw the balance in his/her housing provident fund account:

(1) Purchase, Building, renovating or overhauling self-occupied housing with property rights;

(2) Retiring, retiring and reaching the statutory retirement age;

(3) Completely losing the ability to work, and being The unit terminates the labor relationship;

(4) Leaving the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(6) The rent exceeds the family salary 10% of the income;

(7) Enjoying the minimum living security for urban residents;

(8) The employee dies or is declared dead;

( 9) Rural migrant workers who have terminated their labor relationship with their unit;

(10) Those who have terminated their labor relationship with their unit and have not been re-employed for more than 3 years (inclusive);

( 11) The employee, spouse and immediate family members are seriously ill or seriously ill, causing serious difficulties in family life.

Article 8 If an employee purchases, constructs, renovates or overhauls a self-occupied house with property rights, when the balance in his or her own housing provident fund account is insufficient, he or she may withdraw the balance in the housing provident fund account of his or her immediate family members.

Article 9 When employees repay house purchase loans, they can only withdraw the balance of the housing provident fund account of the employee himself and his spouse.

Article 10 If the rent exceeds 10% of the family's salary income, when the employee's own housing provident fund account balance is insufficient, the employee's immediate family member's housing provident fund account balance can be withdrawn.

Chapter 3 Withdrawal Certification Materials

Article 11 When employees withdraw housing provident funds, they should provide a copy of the ID card of the withdrawer and the Qingdao Housing Provident Fund withdrawal voucher, and should provide different documents according to different requirements. The following supporting materials shall be provided respectively for the extraction status:

(1) If employees purchase, build, renovate or overhaul self-occupied housing with property rights, the following materials shall be provided:

1. Employees If you purchase a self-occupied house with property rights, you should provide the original purchase contract and the relevant original purchase payment certificate or the original property ownership certificate.

(1) If the property ownership certificate is not completed for the purchase of commercial housing, the original "Commercial Housing Sales Contract" and the original full purchase invoice should be provided, or the original "Commercial Housing Purchase and Sales Contract" and the original deed tax payment certificate should be provided; if the application has been completed, If the property ownership certificate is in place, the original property ownership certificate should be provided.

(2) If you are purchasing a second-hand house but have not completed the property ownership certificate, you should provide the original "House Sales Contract" or the original "Qingdao Purchased Public Housing Sales Contract" and the original deed tax payment certificate; if it has been completed If the property ownership certificate is required, the original of the property ownership certificate after transfer should be provided.

(3) If you purchase a rented public housing in accordance with the relevant provisions of the housing reform policy but have not obtained the property ownership certificate, you should provide the original copy of the "Public Housing Sales Contract" and the original full payment certificate; if the housing has been obtained If the property ownership certificate is required, the original of the property ownership certificate should be provided.

(4) If purchasing a demolition and resettlement house, the original demolition and resettlement compensation agreement and the original invoice for payment of the difference should be provided.

2. If employees build or renovate self-occupied houses with property rights, they should provide the construction project planning license approved by the planning administrative department, the construction project construction contract signed by the house owner and the construction unit, and the project The original final accounts and payment invoices (the original property ownership certificate of the original house should also be provided for renovation); if rural migrant workers build or renovate self-occupied houses in the place where their household registration is located, they should provide the original collective land construction land use certificate or the original house ownership certificate.

3. If employees overhaul their self-occupied houses with property rights, they should provide the quality supervision procedures certificate issued by the relevant quality supervision agency of the real estate administrative department ("Urban House Repair Management Regulations" issued by the Ministry of Construction), The construction project construction contract signed between the house owner and the construction unit, the project final accounts, payment invoices and the original house property certificate.

If an employee purchases, constructs, renovates, or overhauls a self-occupied house with property rights, and his or her immediate family members withdraw the balance of the housing provident fund account, in addition to providing relevant certificates for the purchase, construction, renovation, or overhaul of the house, they should also Provide documentation supporting their relationship. Immediate relatives who are husband and wife or have the same household registration should provide the original marriage certificate or household registration book; immediate relatives who do not belong to the same household registration should provide the original certificate of direct family relationship issued by the household registration management department of the drawee.

(2) If an employee is separated or retired, the original certificate of separation or retirement should be provided. If you have not obtained a separation or retirement certificate, you should provide the original separation and retirement procedures approved by the labor and personnel department at or above the district (city) level.

If an employee retires or retires, and his/her unit is unable to issue a Qingdao housing provident fund withdrawal certificate due to merger, division, cancellation, dissolution, bankruptcy, etc., a unit cancellation certificate or original certificate issued by the industrial and commercial administration department must be provided. Approval documents for the merger, division, cancellation, and dissolution of the unit issued by the superior department of the unit, the original divorce (retirement) certificate, and the original and photocopy of the ID card. If an employee does not go through the retirement procedures at the original unit, in addition to providing the above materials, he must also provide the original certificate of labor experience in the original unit.

(3) If the employee has completely lost the ability to work and terminated the labor relationship with the unit, the original copy of the notice of conclusion of the complete loss of working ability issued by the Labor Ability Appraisal Committee and the original certificate of termination of the labor relationship with the unit shall be provided.

(4) If employees leave the country to settle abroad, they should provide the original of their immigration approval document or the original of the long-term residence certificate of the country (region) of settlement.

If an employee settles abroad and his/her unit is unable to issue a Qingdao housing provident fund withdrawal certificate due to merger, division, cancellation, dissolution, bankruptcy, etc., the unit cancellation certificate issued by the industrial and commercial administration department or the original unit must be provided Approval document for the merger, division, cancellation or dissolution of the unit issued by the superior authority, original proof of work experience in the original unit, original and copy of ID card, immigration approval document or original long-term residence certificate in the country of settlement.

(5) If employees repay housing provident fund loans, they should provide the original housing loan contract; if they repay commercial housing loans or combination loans, they should provide the original housing loan contract and the original repayment voucher issued by the bank (repayment The bank passbook of the housing loan or the housing loan repayment details stamped with the bank's seal).

If an employee repays part (or all) of the house purchase loan in advance, he or she should provide the original loan contract and the original early repayment certificate issued by the Municipal Provident Fund Center or the bank.

When the spouse withdraws the balance of the housing provident fund account, in addition to providing the above-mentioned supporting materials, he should also provide the original marriage certificate or the original household registration book of the same spouse.

(6) If the rent paid by employees renting public housing exceeds 10% of the family's salary income, they should provide the original household registration book, the original rent calculation form for renting public housing issued by the housing management department, and the lessee and his or her immediate relatives who live with him. The original annual salary income certificate issued by the relative unit, and the unemployed should provide the original unemployment certificate; if the employee rents a private house and pays rent exceeding 10% of the family salary income, the original household registration book, house rental contract, rent invoice and the lessee and his/her colleagues should be provided. The original annual salary income certificate issued by the unit where the immediate relatives live, and the unemployed should provide the original unemployment certificate.

In order to withdraw the balance of the housing provident fund account from the immediate family members who live together, in addition to providing the above-mentioned supporting materials, they should also provide documents proving their mutual relationship. Immediate relatives who are husband and wife or have the same household registration should provide the original marriage certificate or household registration book; immediate relatives who do not belong to the same household registration should provide the original certificate of direct family relationship issued by the household registration management department of the drawee.

(7) Those who enjoy the urban residents’ minimum living security must provide the original urban residents’ minimum living security certificate.

(8) If an employee dies or is declared dead, the legal heir or legatee shall provide the original and notarized ID card of the legal heir or legatee to withdraw the balance of his or her housing provident fund account. The original and copy of the provident fund inheritance letter or bequest letter. If there are multiple heirs or legatees, the notarized original and copy of the power of attorney of the other heirs or legatees should also be provided. If there is a dispute over inheritance or bequest, the original and copy of legal documents such as the court's judgment, ruling or mediation letter should also be provided.

(9) If rural migrant workers terminate their labor relationship with their unit, they should provide the original certificate of termination of labor relationship with the unit, the original and copy of their household registration book.

(10) If the labor relationship with the employer is terminated and the employee has not been re-employed for more than 3 years (including 3 years), the original unemployment certificate (job search certificate) issued for more than three years should be provided. If an employee replaces (reissues) his or her unemployment certificate (job-seeking certificate) due to household registration transfer, loss, collection of ID card number, etc., the original copy of the replacement (reissued) unemployment certificate (job-seeking certificate) and the "Employee Unemployment Certificate" issued by the labor department should be provided. Original Situation Confirmation Letter.

(11) The employee, his spouse and his immediate family members suffer from chronic renal failure (uremia), malignant tumors, aplastic anemia, chronic severe hepatitis, heart valve replacement surgery, and coronary artery bypass surgery , craniotomy for intracranial tumor removal, major organ transplantation, aortic surgery, nine serious diseases, should provide a certificate issued by a second-level or above (excluding second-level) hospital with the seal of the hospital medical record room, medical office, Medical record certificate (including various diagnostic reports) with one of the seals such as the outpatient office seal, and the original spouse or immediate relative relationship certificate between the employee and the patient.

If employees and their immediate family members suffer from any of the nine specified serious or serious diseases and seek medical treatment at a second-level or above (excluding second-level) hospital outside the scope of Qingdao City, in addition to the above certification materials, they are also required to provide Certification that the hospital is a second-level hospital or above.

Chapter 4 Withdrawal Amount

Article 12 If an employee purchases, builds, renovates or overhauls a self-occupied house with property rights, the employee himself and his immediate family members can withdraw the last payment The storage balance of the housing provident fund account on the date stated in the invoice or the date of issuance of the real estate certificate, but the total amount withdrawn by the employee himself and his immediate family members shall not exceed the actual housing expenditure; rural migrant workers who build or renovate their own residence in the place where their household registration is located For housing, the housing provident fund storage balance in the month on which the collective land construction land use certificate is issued or the house ownership certificate is issued can be withdrawn.

Article 13 If an employee repays a house purchase loan, the employee and his or her spouse may withdraw the balance in the housing provident fund account during the period of repayment of the house purchase loan, but the total amount withdrawn by the spouses shall not exceed the actual loan repayment in the year. Total principal and interest.

If the employee and his spouse have not withdrawn the housing provident fund for any year during the repayment period, the housing provident fund storage balance that can be withdrawn but has not been withdrawn in previous years can be accumulated when withdrawing this year.

If an employee repays part (or all) of the house purchase loan in advance, the employee and his or her spouse can withdraw the balance of the housing provident fund account for the month specified in the early repayment voucher, but the total withdrawal amount of the couple shall not exceed Prepayment amount.

If an employee fails to repay the housing provident fund loan on time as stipulated in the loan contract, the employee himself and his spouse are not allowed to withdraw the balance of the housing provident fund account.

Article 14 If an employee pays more than 10% of the family’s salary income in renting a house and withdraws housing provident fund, the total amount withdrawn by the employee and his immediate family members shall not exceed the actual rent paid by the family that year in excess of 10% of the family’s salary income. % part.

Article 15 If the employee himself, his spouse and his immediate family members suffer from serious illness or serious illness that causes serious difficulties in family life, the employee himself can withdraw the balance of the housing provident fund account for the month stated in the medical record.

Article 16 In accordance with Article 6 (2), (3), (4), (7), (8), (9) and (10) of these Measures ) stipulates the withdrawal of housing provident fund, withdraws all the storage balance in the employee's housing provident fund account, and cancels the employee's housing provident fund account at the same time. To withdraw the housing provident fund in accordance with the provisions of Article 6 (1), (5), (6) and (11) of these Measures, the withdrawal amount shall be calculated and determined based on an integer multiple of ten yuan.

Chapter 5 Withdrawal Procedures

Article 17 Within a fiscal year, each employee is allowed to withdraw housing provident fund twice at most from his or her housing provident fund account. If the account qualifies for account cancellation withdrawal after two withdrawals, account cancellation withdrawal can be processed.

Article 18 To withdraw the balance of the housing provident fund account, an employee shall submit an application to the unit, and the unit shall verify it, and the unit manager shall handle the housing provident fund withdrawal procedures on behalf of the employee.

Article 19 For employees who meet the conditions for withdrawing housing provident funds, the unit manager shall take a copy of the employee’s ID card and relevant withdrawal certification materials, fill in the Qingdao Housing Provident Fund withdrawal voucher, and submit it to the Municipal Provident Fund Center. Apply to withdraw housing provident fund. The unit manager should present his or her original ID card when handling the housing provident fund withdrawal business.

Article 20 The Municipal Provident Fund Center shall make a decision within 3 days from the date of accepting the application to approve or disallow the withdrawal, and notify the unit manager; if the withdrawal is approved, the Qingdao Housing Provident Fund shall be withdrawn at The voucher will be stamped with a business seal, and the unit manager will go to the housing provident fund deposit and withdrawal counter of the trustee bank to handle the withdrawal procedures and receive the bank passbook.

Article 21 The unit manager will hand over the bank passbook to the employee, and the employee will withdraw the housing provident fund from the trustee bank with the passbook and original ID card.