How to withdraw Shenzhen provident fund

The ways to withdraw housing provident fund in Shenzhen are as follows:

1, online processing. At present, only housing consumption, non-deep household withdrawal, retirement withdrawal and other businesses such as renting, property or decoration can be handled online, and other related matters can be handled through computers or appointment outlets;

2, provident fund management center for:

(1) individual application; Fill in the "Approval Form for the Extraction of Housing Provident Fund" and the "Certificate for the Deposit of Housing Provident Fund"; Provide the originals of relevant certification materials, and provide copies for the record.

(2) unit audit

Examining the authenticity, legality and completeness of relevant certification materials provided by individuals;

Sign the opinion and affix the official seal on the Approval Form for the Extraction of Housing Provident Fund.

(3) the housing provident fund management institutions for approval:

Check the relevant certification materials provided;

Approved withdrawal amount;

Collect archive materials;

In the "housing provident fund extraction approval form" and "housing provident fund extraction certificate" signed the examination and approval opinions, and stamped with the "special seal for housing provident fund extraction approval".

(4) Handling the procedures for withdrawing shares.

Housing provident fund withdrawal method: transfer in the same city, transfer to the account of the employee's unit, and transfer to the provident fund center by telegraphic transfer or remittance from different places;

Personal withdrawal for repayment of loan principal and interest, the housing provident fund management institution will transfer the cheque issued by the loan bank directly into the special account opened for the borrower for repayment of loan principal and interest, which can be withdrawn once a year. In other cases, the housing provident fund management institution may transfer the cheque to the account of the employee's unit, and then the unit will withdraw cash and pay it to the individual employee.

In the following nine cases, you can apply for withdrawal of all provident funds.

1, non-deep account withdrawal. Applicable conditions: Shenzhen social security transfer or suspension of payment for more than three months;

2. Cancel the cancellation of Shenzhen account. Applicable conditions: the household registration moves out of Shenzhen.

3. Cancel settlement and cancellation in foreign countries or Hong Kong, Macao and Taiwan. Applicable conditions: settle abroad or in Hong Kong, Macao and Taiwan;

4. Cancel the retirement account. Applicable conditions: have received a retirement certificate or reached the statutory retirement age;

5, completely lose the ability to work, and terminate the labor relationship with the unit. Applicable conditions: completely lose the ability to work and terminate the labor relationship with the unit;

6. Older and sealed for two years. Applicable conditions: male over 50 years old or female over 45 years old, unemployed and housing provident fund account sealed for two years;

7, enjoy the extraction of the minimum living guarantee. Applicable conditions: Shenzhen registered families enjoy the minimum living guarantee;

8. Extract death cancellation. Applicable conditions: if an employee dies or is declared dead, his successor or legatee may apply for closing the account to withdraw the account balance;

9. Extraction of severe diseases. Applicable conditions: The employee himself or his family members (spouse and minor children) suffer from major diseases or major operations: chronic renal failure (uremia), malignant tumor, aplastic anemia, chronic severe hepatitis, heart valve replacement, coronary artery bypass grafting, intracranial tumor craniotomy, major organ transplantation and aortic surgery.

In summary, if the employee withdraws the balance stored in the housing provident fund account, the unit shall verify it and issue a certificate of withdrawal.

Legal basis:

Article 13 of the Regulations on the Management of Housing Provident Fund

The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.

The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

Article 24

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(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.

Article 25

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.