1, the applicant applies for a loan to the local housing provident fund management center and provides relevant materials;
2, housing provident fund management center to verify the loan application materials;
3, the loan approval issued by the housing provident fund management center;
4. The applicant handles the loan procedures;
5. The applicant repays the loan according to the agreed repayment method;
6 after the completion of the loan, the housing provident fund management center issued a certificate of loan completion.
Provident fund withdrawal types are:
1, agreed to extract. Agreed withdrawal of provident fund means that employees and their spouses apply for withdrawal of provident fund for reasons such as purchase, construction, renovation, overhaul of owner-occupied housing and repayment of principal and interest of housing loans. The provident fund management center will transfer the extracted provident fund to the employee's own provident fund joint card savings account on time according to the agreed time when applying.
2. Partial extraction. Partial withdrawal of provident fund means that the depositor of provident fund applies for partial withdrawal of provident fund according to the requirements of partial withdrawal of provident fund. The maximum withdrawal amount is the total account amount minus 10 yuan.
3. Cancel the account. Cancel the withdrawal of provident fund withdrawal: canceling the withdrawal of provident fund withdrawal is similar to canceling the withdrawal of bank account. When handling the withdrawal of account cancellation, you only need to fill in the withdrawal application form of account cancellation according to the requirements of withdrawal of provident fund and withdraw the provident fund from the management department.
To sum up, the types of provident fund withdrawal are different according to the specific circumstances, but they all need to meet certain conditions and be handled in accordance with the prescribed procedures. In the process of handling, we should pay attention to providing true and complete materials and operate according to the requirements of the provident fund management center.
Legal basis:
Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund
Article 15
Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go through the formalities for the establishment or transfer of employee housing provident fund accounts.
Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.
Article 16
The monthly deposit amount of employee housing provident fund is 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.
Article 19
The housing provident fund paid by individual employees shall be withheld and remitted from their wages by their units every month.
The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.
Article 20
The unit shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.
Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.