Does the withdrawal of Shanghai provident fund rental affect loans? How to withdraw cash from Shanghai provident fund?

In Shanghai, a big city, many companies have made provident funds for their employees. So that they can buy a house through provident fund loans in the future. So do you know the impact of Shanghai provident fund rental on loans? And how to withdraw the cash from the Shanghai provident fund? What are these two questions? Today we will give you a more detailed answer to these two questions. I hope today's answer can help you.

Does the withdrawal of Shanghai provident fund rental affect loans?

The answer is no.

The loan amount of housing provident fund is related to the borrower's provident fund deposit, the loan application period, the maximum amount of a single loan, the evaluation value of collateral and other factors.

There are two sets of data for your reference: unmarried, loan for 30 years, loan amount1.20 thousand, monthly deposit amount at least 780 yuan (individual); Married, with a loan of 30 years, the loan amount is 6.5438+0.2 million yuan, and the monthly deposit amount is at least 920 yuan (family).

Of course, the final loan amount is also related to the property rights of the real estate, the credit rating of the lender and other reference attributes. In case of specific circumstances, specific analysis is needed.

How to withdraw cash from Shanghai provident fund

According to the "Shanghai Housing Provident Fund Extraction Management Measures", under any of the following circumstances, employees may apply for withdrawing the storage balance in the housing provident fund account:

1 Buy self-occupied housing;

2. Construction, renovation or overhaul of all owner-occupied houses in this city;

3 repay the principal and interest of the city's self-occupied housing loan;

4 there is no house in this city and the house in this city is rented for self-occupation according to law;

5. Low-income families with financial difficulties pay the property service fee for self-occupied housing in this city;

6 family life difficulties are used to pay housing consumption expenses such as rent, property service fees and after-sales public housing property maintenance fees;

7. retired;

8. Most or all of them have lost their ability to work and have terminated their labor relations with the unit;

9. Go abroad to settle down;

10 is dead or declared dead (the application is made by the employee's legal heir or legatee);

1 1 Other circumstances specified by the state and Shanghai Municipality.

In line with any of the above conditions, the insured employees can bring their identity certificates and related certification materials to the business outlets of Shanghai Provident Fund Management Center for provident fund withdrawal. In addition, some provident fund withdrawal businesses in Shanghai support online processing. Online processing channels include Shanghai Housing Provident Fund Network, Shanghai Netcom Office Platform, and Shanghai Provident Fund WeChat official account.