It should be noted that when a houseless household withdraws the provident fund to pay the rent that exceeds the specified proportion of family income, the total amount withdrawn cannot exceed the rent actually paid. If you completely lose your ability to work, terminate your labor relationship with the unit; Or the account moves out of the city, and non-local migrant workers leave the city; Or, go abroad to settle down, retire/resign, die/be declared dead, etc. There is no limit to the extraction, and you can directly extract them all at once. Generally speaking, there is no quota limit for poor families who enjoy the minimum living guarantee to withdraw provident fund to subsidize families.
The first withdrawal of the provident fund can be made at one time. But the amount is limited, and the remaining amount cannot be less than one year's deposit amount. If it is a loan to buy a house, it can be mentioned once a year, and this amount is also limited. The balance is not less than one-year deposit, and the withdrawal amount is not more than one-year mortgage amount. Housing provident fund can be divided into on-the-job withdrawal and resignation withdrawal, non-cancellation withdrawal and cancellation withdrawal. No matter what kind of extraction, as long as it meets the corresponding conditions, it can be extracted at one time.
Workers or their immediate family members (spouse, children, parents) pay off the purchase price when purchasing owner-occupied housing, and meet the following conditions:
If the employee or his spouse repays the principal and interest of the house purchase loan within the loan term and repayment amount, it shall be extracted according to the following circumstances:
Employees who repay the principal and interest of commercial loans or their spouses may withdraw them once a year during the repayment period. If the first withdrawal is made and meets the conditions for withdrawal of the down payment, the withdrawal amount shall not exceed the down payment amount, and the subsequent withdrawal shall not exceed the repaid loan principal and interest for the same period. If the first withdrawal does not meet the conditions for withdrawal of the down payment, the amount of the first and subsequent withdrawals shall not exceed the repaid loan principal and interest for the same period.
Workers or their spouses who repay the principal and interest of provident fund loans (including portfolio loans) can withdraw it once a year within the repayment period. The sum of the withdrawal amounts of employees, spouses and borrowers shall not exceed the repaid loan principal and interest in the same period.
If the employee or his spouse repays the principal and interest of the provident fund discount loan, it will be withdrawn once a year during the repayment period. The sum of the withdrawal amounts of employees, spouses and borrowers shall not exceed the repaid loan principal and interest in the same period. Before the provident fund discount loan is paid off, it cannot be withdrawn under other circumstances (except withdrawal), and the amount withdrawn by employees in the current period does not exceed the actual repayment amount in the same period.
legal ground
Regulations on the administration of housing provident fund
Seventh housing provident fund management: employees set up personal accounts in the undertaking bank, and after approval, they can withdraw them with their ID cards. The personal account balance shall bear interest at the three-month interest rate stipulated by the People's Bank of China. During the deposit period, employees who retire, dismiss, transfer from the county or build (purchase) their own houses may apply for withdrawal.