Can I take it all out without paying the provident fund?

Housing provident fund can be taken out without paying it. Houseless households who pay rent, terminate or terminate labor relations with their units, have their accounts sealed for more than 6 months or have their housing accumulation fund stopped paying for more than 24 months and have their accounts sealed, who retire, enjoy the minimum living guarantee, purchase, build, renovate, overhaul their own houses or repay the principal and interest of their own housing mortgage loans, and settle abroad, can be withdrawn.

1. Can I withdraw all without paying the provident fund?

You can take out the housing provident fund after resigning. If you leave your job normally, that is, resign, you can take it all out on the premise of transferring to social security, but if you leave your job by yourself, you can only take out the part you paid. If you resign, you only need to transfer the social security to the local social security bureau and then go to the housing provident fund management center. Generally, the required procedures require the company's official resignation documents, ID cards and provident fund account numbers. If you take care of yourself, you can make an appointment online, but

Second, after resigning, how to withdraw the housing provident fund?

1. After employees leave their jobs, they can apply for withdrawal by presenting their labor relationship termination contracts, unemployment certificates and local resident ID cards.

2. Resignation withdrawal belongs to account cancellation withdrawal, that is, withdrawal of all principal and interest in your provident fund account.

3. In some areas, there is a time limit for the withdrawal of resignation: it cannot be withdrawn within two years, and it can only be withdrawn after two years of re-employment. In some areas, this requirement is made because the housing provident fund, as a personal savings fund for policy mutual assistance, is also mutually supportive. In some areas, loan-to-deposit ratio is high, capital utilization rate is at a high level, plate loan load is heavy, and personnel mobility is strong. So there is such a requirement to limit your funds to stay in the management center for a certain period of time.

4. The fact of resignation is true, there is no re-employment, and the procedures are complete and can be handled. The program is also very simple.

The materials to be provided for withdrawal of housing provident fund after employment include: the original and photocopy of the certificate of termination (dissolution) of labor relations by the original unit, the original and photocopy of the applicant's ID card, the application for withdrawal/transfer of (local) housing provident fund (housing subsidy), the employee's housing provident fund deposit card or co-branded card, and the original and photocopy of the certificate of moving out of the district and city or the certificate of moving in, moving out of the district and re-employment after the city.

Under normal circumstances, according to the regulations, when an individual leaves his post, he/she will apply to the Housing Provident Fund Management Center for account sealing with his/her ID card, personal account deposit card of housing provident fund and notarized labor relations termination contract. After finding a new work unit, the account will be transferred to the new unit for renewal. If you don't have a new job after one year, you can cancel your account with the community unemployment certificate and the notarized labor relationship termination contract and withdraw all the balance.

Three. Withdrawal process of post-employment provident fund:

1. The applicant submits an application to any outlet of the local housing provident fund management center with the extraction certificate, and the applicant submits the required materials as required;

2, approved by the housing provident fund management center, give a reply within 3 working days after accepting the application;

3. Go through the withdrawal and transfer procedures at the bank where the account is opened.

If you plan to continue to look for a new job in the local area after leaving your job, it is not recommended to withdraw the money from the provident fund, because you can directly renew it in the provident fund account after finding a job. This is something that individuals who run companies don't need to do. Putting money in the provident fund account is safe and interesting, which is conducive to applying for provident fund loans in the future.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.

Workers in any of the following circumstances, you can extract the balance of storage 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.