Personal recovery provident fund process

The process of individual recovery of provident fund is as follows:

1. Fill in the supplementary book of housing provident fund and affix the official seal;

2, fill in the "Housing Provident Fund Deposit Inventory", to fill in the depositor's name, ID number, deposit month, individual deposit ratio and amount, unit deposit ratio and amount, need personal signature confirmation. Attach a copy of personal identity card;

3. Write the unit payment instructions and seal them;

4. The unit provides the necessary materials → the housing provident fund center handles the audit of outlets and pays back the fees (if the procedures are complete, it will be handled on the spot).

Consequences of withholding provident fund:

1, which affects the accumulation of funds in individual provident fund accounts: provident fund is one of the important wealth of individuals. Long-term repayment of the provident fund will lead to insufficient accumulation of funds in the provident fund account, which will affect the individual's subsequent purchase or lease plan;

2. Affect the application for provident fund loans: provident fund loans usually require a certain amount of time and money to be deposited in the provident fund account. Long-term repayment of provident fund will affect the qualification and quota of personal provident fund loans;

3. Individuals need to bear fines: individuals who intentionally or negligently pay the provident fund for a long time will be fined, and the specific amount of fines will be determined according to the regulations of different regions;

4. Affect personal social security and welfare benefits: Provident fund is one of the important components of personal social security and welfare benefits. If the provident fund is paid off for a long time, it will affect personal social security and welfare benefits, such as endowment insurance and medical insurance.

To sum up, different regions and types of provident fund recovery application processes may be different, and the specific operations and requirements should refer to the regulations of the local provident fund management center.

Legal basis:

The "Regulations" of People's Republic of China (PRC) housing provident fund management twenty-fourth.

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.