1, extraction conditions of Shanghai provident fund rental:
(1) The employee has continuously paid the housing accumulation fund in full in this city for 3 months;
(2) Employees and their spouses have no self-owned housing and rent housing within the administrative area of this Municipality;
(3) At present, employees and their spouses have no housing provident fund loans in other cities, and there is no effective withdrawal business such as withdrawing housing provident fund to return housing loans;
(4) Employees and spouses can only withdraw the housing provident fund to pay for the rental of a house.
2, Shanghai provident fund rental extraction process:
(1) Employees who meet the above conditions can bring relevant materials to the provident fund management center to apply for withdrawal of the provident fund;
(2) Employees can apply for withdrawal of provident fund through personal online business platform;
(3) Employees bring relevant materials to the application network or provident fund management center to apply for withdrawal of provident fund;
(4) The bank staff shall review the application materials, and if they meet the requirements, the bank shall go through the formalities of withdrawing the provident fund.
Materials for drawing housing provident fund from provident fund loans:
1. Personal identification: including the original and photocopy of personal identity card;
2. Purchase contract: relevant documents such as purchase contract or house lease contract need to be provided;
3. Real estate license or lease contract: documents such as real estate license or lease contract need to be provided;
4. Application Form for Provident Fund Withdrawal: You need to fill in the application form for provident fund withdrawal and sign your personal signature;
5. Proof of repayment ability: it is necessary to provide personal tax payment certificate or business license of individual industrial and commercial households to prove personal repayment ability;
6. Other relevant certification materials: according to different situations, it is also necessary to provide personal credit report, marital status certificate, house purchase and other relevant certification materials.
To sum up, the extraction process and required materials of provident fund loans may be different in different regions and different banks. It is best for applicants to know the local loan withdrawal process and required materials before applying, so as to apply better.
Legal basis:
The "Regulations" of People's Republic of China (PRC) city housing provident fund management thirteenth.
The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.
The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.
The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.