How to withdraw the state-managed provident fund

Summary: the state management provident fund is an important social security policy, the conditions for the extraction of provident fund is more restrictive, and in some places there are corresponding charges, this article will detail the conditions of the state management provident fund extraction, the process, and the charges, to help you understand the extraction of state management provident fund related knowledge.

I. State-managed provident fund extraction conditions

1. 18 years of age, less than 60 years of age;

2. In this unit to meet the minimum withdrawal standard months;

3. The person and his family members, no major violations of law and discipline;

4. The person and his family members, the withdrawal of business. No delinquency in payment of wages, property, or money to their own or other units;

5. No illegal or criminal activities involving resistance, undermining of state religious policy, promotion of evil cults and feudal superstitions, etc., for the person and his/her family members handling the withdrawal business;

6. No criminal acts and suspected criminal acts involving the record for the person and his/her family members handling the withdrawal business;

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7. The person and his/her family members handling the withdrawal business do not have any disease, disability, or handicap that affects his/her ability to work.

Two, the state management provident fund extraction process

1. pre-extraction preparation: carry my ID card, household registration, provident fund account card, to the local social security agency for extraction;

2. extraction application: fill out the "personal housing provident fund extraction application form", prepare the relevant information, and submit the application;

3. extraction audit: the agency on the The withdrawal application is examined and confirmed to meet the conditions of withdrawal, and then permitted to withdraw;

4. Withdrawal payment: Pay the withdrawal management fee, and according to the amount withdrawn, pay the corresponding personal income tax;

5. Withdrawal processing: After the withdrawal application is examined and approved, the agency will withdraw the amount of money transferred to the designated account;

6. Completion of the withdrawal: After completion of the withdrawal, the agency will issue a "Housing Provident Fund Withdrawal Certificate". issue the "Housing Provident Fund Extraction Certificate" as a proof of withdrawal.

Third, the state management provident fund withdrawal fees

1. withdrawal management fee: 1% of the amount of each withdrawal, the minimum charge of 50 yuan, the maximum charge of 500 yuan;

2. personal income tax: withdrawal amount of more than 10,000 yuan, you need to pay personal income tax, in accordance with the state tax rate;

3. other costs: withdrawal amount exceeding 10,000 yuan is subject to other fees such as bank charges.

Four, the state management provident fund withdrawals

1. withdrawal amount shall not exceed the balance of the provident fund account;

2. withdrawal amount shall not be less than the minimum withdrawal standard;

3. withdrawal amount need to pay the appropriate charges;

4. withdrawal amount more than 10,000 yuan, need to pay personal income tax;

5. if the withdrawal amount is more than 10,000 yuan, you need to pay other fees such as bank charges;

6. after the completion of the withdrawal, you should update the balance of the provident fund account in a timely manner to avoid duplicate withdrawals.

Summary: The state-run provident fund is an important social security policy, the conditions for withdrawing the provident fund are more restrictive, and some places have the corresponding charges, therefore, when withdrawing the state-run provident fund, you should understand the conditions, process and charges to avoid unnecessary trouble.