What is the withdrawal method of Hangzhou agent provident fund?

First, the definition of housing provident fund extraction

Housing provident fund refers to the housing provident fund that the depositor withdraws from his personal account for housing or other purposes permitted by the policy.

Second, the conditions for the withdrawal of housing provident fund

1. Housing consumption extraction:

(1) Purchase owner-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;

(three) to repay the principal and interest of housing loans.

2. Cancellation of account cancellation:

(1) retired;

(2) Having left the country to settle down;

(3) completely losing the ability to work and terminating the labor relationship with the unit (both conditions are indispensable);

(4) death.

Three, the number of extraction of housing provident fund (time) requirements

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 Take one-time payment to purchase owner-occupied housing, which can be withdrawn once a year;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 If a loan or installment payment is adopted, it can be withdrawn once every quarter;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 If the rent exceeds the specified proportion of family wage income, it will be withdrawn in March and April every year.

Four, the object of housing provident fund extraction (I, spouse or heir) and the requirements of the submitted materials.

(A) the withdrawal of housing consumption

1. Employees who make 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owner-occupied house is purchased by means of loan or installment, a loan contract shall be provided, and it shall be withdrawn by the down payment invoice.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. If the owner-occupied house is overhauled, the personnel living in the bungalow shall 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. Pay more than 5% of my share of the rent, and 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.

(2) the cancellation of the cancellation account

1. Retirement: retirement certificate or relevant certificate of the labor department.

2. Settled abroad: passport and visa, certificate of cancellation of account, certificate of settled abroad;

3. Loss of labor ability and termination of labor contract: the appraisal of employees' loss of labor ability provided by the labor department and the certificate of termination of labor contract by the unit.

4. If an employee dies and cancels his account, and the employee has applied for the housing provident fund to withdraw his personal savings card before his death, the legal heir may provide the personal savings card account number opened by the deceased employee, and sign the List of Personal Savings Accounts of Housing Provident Fund to directly transfer the withdrawal money to the account.