What are the conditions for withdrawing the provident fund?
1, purchase, construction, renovation and overhaul of owner-occupied housing. Among them, "purchase" means that employees buy houses and have the ownership of the houses they buy, which can be public housing, commercial housing, affordable housing and second-hand housing. "Construction" refers to houses built by urban residents with the approval of real estate management agencies, urban planning management agencies and other departments; "Renovation" refers to the complete demolition, design and reconstruction of houses; "Overhaul" refers to the need to affect or dismantle some major components of the house, but it is not necessary to completely dismantle the house;
2. Retired employees;
3, completely lose the ability to work, and terminate the labor relationship with the unit;
4. Leave the country to settle down;
5. Repay the principal and interest of the house purchase loan;
6, the rent exceeds the prescribed proportion of family wage income;
7. The employee dies or is declared dead.
Generally, it takes 18- 19 working days from the bank to apply for a housing provident fund loan to the lending bank. The specific process is as follows:
1, complete the loan application on the same day (fill in the housing provident fund loan application form);
2, the bank loan review, agreed to report to the municipal housing provident fund management center for review, completed within 2 working days.
3, the city housing provident fund management center to review the loan, completed in 1 working days.
4. After approval, the loan bank signs a loan contract with the borrower, and the loan contract will be completed within 2 working days.
The process of Shanghai's withdrawal of provident fund
1. First of all, you should apply to your company with relevant supporting materials.
2. After the examination and approval, the employees will issue the Shanghai Housing Provident Fund Extraction Certificate and the Shanghai Housing Provident Fund Extraction Application Form (the employees who enter the management and seal will first go to the office of the city provident fund center or the office of the district and county provident fund utilization center for examination, and the office or office will issue the Shanghai Housing Provident Fund Extraction Certificate and the Shanghai Housing Provident Fund Extraction Application Form for the employees).
3. Bring relevant certification materials to the designated outlets of CCB-BOC for extraction and review.
Legal basis:
Regulations on the administration of housing provident fund
Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.