What is the minimum standard of Hefei provident fund?

According to the average annual salary of employees on the job as the payment base, the payment ratio shall not exceed 12%. In addition, when you borrow money, you need to pay it back for at least one year. According to the deposit ratio of 12%, it is determined that the maximum monthly deposit of units and individuals is 2075 yuan.

Housing provident fund loan requirements

Time condition

The loan condition of housing provident fund is that urban workers and their units must continuously deposit housing provident fund for one year, and the time and amount must be one year (12 months).

Required materials

1. Four copies of ID cards or other identification certificates of individuals and spouses applying for loans;

2. Four copies of the borrower's marriage certificate (single certificate, marriage certificate, divorce certificate or divorce judgment, and the widowed person must provide the death certificate of the other party);

3. 4 copies of valid vouchers for payment of house purchase price;

4 copies of the income certificate of the borrower and his spouse;

4 originals of the legal house purchase contract;

6. Seal of the Borrower and its spouse.

7. Apply for the borrower's housing provident fund deposit certificate.

(3) Building construction and testing data

1, pre-sale permit for commercial housing or approval for housing reform;

2, the construction project planning permit;

3, the construction project construction permit;

4. Construction land planning permit;

5. State-owned land use certificate;

6, building plan and floor plan.

(4) Relevant departments.

After the above conditions are met and the materials are fully prepared, the purchaser can apply for provident fund loans at the entrusted banks and handling outlets, or at the nearest provident fund management center or sub-center or management department.

Housing provident fund extraction method:

1. Go to the local housing provident fund management center to receive the Application Form for Early Withdrawal of Housing Provident Fund; After filling in and obtaining the seal of the individual unit, submit the form and related materials to the housing provident fund management center; The provident fund management center will review the personal materials and transfer the amount to the designated bank card within 1 to 3 days after passing.

2, the purchase of commercial housing, affordable housing, cooperative housing, self-occupied housing, etc., to provide a purchase contract or purchase agreement, purchase invoices;

3, the purchase of dilapidated houses, provide the demolition agreement, purchase invoices;

4, the purchase of second-hand housing, provide real estate license, deed tax payment certificate;

5, the purchase of public residential buildings, provide the purchase agreement or purchase certificate, purchase receipt issued by the housing management department of the unit;

6, overhaul, renovation of owner-occupied houses, provide the overhaul certificate and property right certificate of the housing management or property department, purchase detailed invoices of materials or invoices of expenses allocated to individuals;

7. For owner-occupied housing, provide the house site approval document or building approval document from the planning and housing management department, purchase materials and other invoices for construction costs.

Legal basis:

"Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's 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.