Withdrawal after Shenzhen provident fund loan

How to withdraw Shenzhen provident fund

Operate small programs in Guangdong Province.

1. Enter the small deposit program in Guangdong Province and click "My Proof"-"Housing Provident Fund". It should be noted here that you can log in by real-name verification first, or you can log in by WeChat payment password.

2. Select "Withdraw", click "Withdraw" to check the account balance, and select "Withdraw Rent" to handle the lease withdrawal business according to the prompts.

3. According to the system prompt, confirm the withdrawal amount, click on the withdrawal to confirm the personal information, and then click on the confirmation, and you can get the withdrawal result (normally it will be received within 1-3 working days).

Shenzhen housing provident fund withdrawal rules

Legal analysis: four kinds of housing consumption extraction situations

1, house purchase withdrawal

Applicable conditions: there is a house in Shenzhen or other places, and the purchase invoice or deed tax stamp is less than two years. The third and above houses (including off-site houses) purchased after September 30, 20 10 may not be withdrawn.

Withdrawal amount: the total purchase price of a suite shall not exceed the account balance; The second suite is 60% of the account balance; The third suite or above is 60% of the account balance (if you buy a house after 2065438+00, you will not withdraw it).

Extraction times: 1 time.

Essential elements: ID card; Provident fund card; First-hand housing purchase contract and purchase invoice; Copy of second-hand house property right certificate and deed tax stamp.

2. Renting back (online self-help)

Applicable conditions: there is no room in Shenzhen.

Withdrawal amount: amount payable in the month of application ×65%× withdrawal month. The extractable month is the number of months from the month following the last extraction to this extraction; If the withdrawal business has never been handled, it is the number of months from the initial deposit to the current withdrawal.

Number of withdrawals: if handled at the counter, it can be handled twice a year; Self-help, once a month 1 time.

Counter handling requirements: ID card; Provident fund card.

3, owing on the loan extraction

Applicable conditions: repayment of housing loans with property rights in Shenzhen.

Withdrawal amount: the monthly withdrawal amount of the first suite is the actual monthly repayment amount, and the monthly withdrawal amount of the second suite is 60% of the amount payable in the month of application. Repayment once a year can be traced back to the unpaid amount of the previous 24 months at most.

Extraction times: per year 1 time (entrusted extraction once a month).

Essential elements: ID card; Provident fund card; Loan contract; Mortgage contract; The repayment details issued by the loan bank (provided once a year).

4, other housing consumption extraction (online self-help)

Applicable conditions: having a house in Shenzhen does not meet the conditions for buying a house and repaying the loan.

Withdrawal amount: amount payable in the month of application ×40%× withdrawal month. The extractable month is the number of months from the month following the last extraction to this extraction; If the withdrawal business has never been handled, it is the number of months from the initial deposit to the current withdrawal.

Extraction times: one year 1 time if handled at the counter; Self-help, once a month 1 time.

Counter handling requirements: ID card; Provident fund card.

Remarks:

Other housing consumption: payment of housing property service fees, daily property special maintenance funds, housing renovation fees, elevator installation fees in old communities and other housing consumption situations not included in the regulations.

Provisions on housing consumption are as follows

1, purchase house ownership

2. Pay the housing rent within the city.

3. Repay the loan principal and interest of self-owned housing within the city.

Legal basis: Regulations on the Management of Housing Provident Fund

Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.

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.

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

How to withdraw all the Shenzhen provident fund?

A, provident fund extraction materials:

1. Bank's joint provident fund card, if it is not necessary to handle it at the designated bank.

2. Original ID card

Second, different regions have slightly different extraction methods, taking Shenzhen as an example:

Sign a self-service agreement

To apply for housing provident fund withdrawal for the first time, you need to sign the Shenzhen Housing Provident Fund Business Self-help Agreement at a bank outlet. After signing this agreement, the following provident fund business can be handled through online, telephone and self-service terminals. And you don't have to wait in line at the counter. There are many people handling this business, so it is best to make an appointment in advance and then go to the corresponding outlets to handle it.

After signing the agreement, it can be extracted by phone or in the service hall of the housing provident fund management center, or through the WeChat applet, which is very convenient.

Usually, the withdrawal of provident fund falls into two categories: 1. Housing extraction II. Non-housing extraction.

First, housing extraction

There are three kinds of common housing extraction.

1. Loan principal and interest (including commercial loans and provident fund loans) can be withdrawn once a year until the loan is paid off. However, some cities can retire once every six months, and the demand is related to local policies.

2. In most cities, the purchase, construction and overhaul of self-occupied houses are often withdrawn in the name of house purchase, and each suite can only be withdrawn once in the name of house purchase, and the balance of employees' and spouses' provident fund accounts can be withdrawn.

3. Rent refund is generally once a year, and different cities can refund different amounts. However, there are also areas that can be extracted by month or quarter. Take Shenzhen as an example. When renting a house, you can withdraw up to 65% of the paid-in amount in the current month, and you can withdraw it once a month.

Second, non-housing extraction

If the withdrawal and retirement withdrawal terminate or terminate the labor relationship with the unit, you can withdraw all the balance in the provident fund account at one time and cancel the provident fund account at the same time.

In addition to the above extraction, there is also medical extraction for severe diseases. If the employee himself or his immediate family members suffer from serious illness, which leads to financial difficulties in family life, most cities stipulate that the balance in the provident fund account can be withdrawn once with a valid medical certificate within one year after discharge.

Of course, the number of withdrawals varies greatly in different regions. Remember to consult the local provident fund center before handling.

What are the conditions for one-time repayment of Shenzhen provident fund? How much is extracted?

What are the conditions for one-time repayment of Shenzhen provident fund? How much is extracted? Let's take a look at the operation guide. One-time repayment of loans is actually to repay the principal and interest of housing loans in this city (once a year). See the text for extraction conditions, materials and process.

Extraction condition

(1) I or my family members (spouse and minor children) repay the paid-in employees who purchase the principal and interest of housing loans within the city.

(2) If the husband and wife jointly handle the loan or the loan information belongs to the spouse, the spouse shall jointly sign the Personal Authorization Commitment Letter of Shenzhen Housing Provident Fund Withdrawal Business.

(3) Our center has stopped accepting the business of buying houses by mail. Applicants for pure provident fund loans can log in to the "Guangdong Housing Provident Fund" applet for online processing.

Extract material

1, employee housing provident fund co-branded card

2 housing loan contract and mortgage contract

3. Details of commercial loan repayment issued by the lending bank in recent two years.

4.* * * Identity certificate of the same borrower

5. Resident identity documents

6. People's Republic of China (PRC) Marriage Certificate

7. spouse's identity document

8. Certificate of authorization

9. Personal authorization letter and commitment letter of Shenzhen housing provident fund withdrawal business.

10, household register

One-time withdrawal conditions for repayment of Shenzhen provident fund in 2022

Extraction condition

(1) I or my family members (spouse and minor children) repay the paid-in employees who purchase the principal and interest of housing loans within the city.

(2) If the husband and wife jointly handle the loan or the loan information belongs to the spouse, the spouse shall jointly sign the Personal Authorization Commitment Letter of Shenzhen Housing Provident Fund Withdrawal Business.

(3) Our center has stopped accepting the business of buying houses by mail. Applicants for pure provident fund loans can log in to the "Guangdong Housing Provident Fund" applet for online processing.

Extraction rule

1. Employees and their family members have only one house in total:

(1) The withdrawal amount of pure provident fund loans shall not exceed the actual repayment amount of last month;

(2) The extractable amount of pure commercial loans shall not exceed the monthly repayment amount calculated by the equal principal and interest method at the time of application;

(3) The extractable amount of the portfolio loan shall not exceed the sum of the actual repayment amount of the corporate loan part of the portfolio loan last month and the monthly repayment amount of the commercial loan part of the portfolio loan.

2 employees and their family members have two or more houses:

(1) The monthly withdrawal amount of the pure provident fund loan shall not exceed 60% of the amount payable in the month of application, and shall not exceed the actual repayment amount in the last month;

(2) The monthly withdrawal amount of pure commercial loans shall not exceed 60% of the amount payable in the month of application, and shall not exceed the monthly repayment amount calculated by the equal principal and interest method at the time of application;

(3) The monthly withdrawal amount of the portfolio loan shall not exceed 60% of the repayment amount in the month of application, and shall not exceed the sum of the actual repayment amount of the corporate loan part of the portfolio loan last month and the monthly repayment amount of the commercial loan part of the portfolio loan.

3.2065438+From September 30, 2000, if employees and their family members buy the third or above houses (including off-site), the third or above houses will not be withdrawn.

Processing instructions

1. Before employees make withdrawals, please check the completeness of the loan contract, the contract number in the mortgage contract, the purpose of the loan, the signing date and other elements. If there is a gap, please ask the loan bank to supplement or provide relevant certificates.

The introduction of post-loan withdrawal of Shenzhen provident fund and the process of post-loan withdrawal of Shenzhen provident fund come to an end. I wonder if you have found the information you need?