The specific operation process is as follows:
1. Process of applying for withdrawal from off-line provident fund management center:
(1) Go to the local provident fund management center for withdrawal. Before withdrawal, you can call the hotline of the provident fund center and prepare the information for withdrawal of the provident fund in advance.
(2) Then go to the provident fund center to fill in the application form for provident fund withdrawal and hand in the information.
(3) The Provident Fund Center will review personal conditions and the authenticity of information.
(4) After approval, transfer the balance of the provident fund to the designated bank card.
2. Alipay's process of withdrawing provident fund:
(1) Through Alipay, many regions support Alipay to withdraw housing provident fund, but not all regions support it.
(2) Open Alipay, and then directly enter provident fund withdrawal in the search bar.
(3) Enter the Provident Fund Extraction page and select Provident Fund Extraction.
(4) According to the page prompts, you need to register for the first time to log in with your personal account.
(5) On the extraction page, you need to select the extraction conditions of housing provident fund, which can be renting a house or repaying the principal and interest of the mortgage, and you need to provide corresponding certificates.
(6) Select the amount of provident fund to be withdrawn and confirm the withdrawal.
The process of returning the provident fund to the commercial loan is as follows:
1. Submit an application: you need to submit an application to the provident fund management institution or commercial bank, stating that you want to use the provident fund to repay commercial loans;
2. Qualification examination: the provident fund management institution or commercial bank will examine your qualifications, including the balance of the provident fund account, the repayment period and amount.
3. Sign an agreement: If your application is approved, you need to sign a loan repayment agreement with the provident fund management agency or commercial bank;
4. Transfer repayment: after the agreement is signed, the provident fund management institution or commercial bank will directly transfer the funds in the provident fund account to your commercial loan account for repayment;
5. Supervision and inspection: the provident fund management institution or commercial bank will supervise and inspect the loan repayment to ensure the repayment as agreed.
To sum up, the specific process of returning commercial loans from provident fund may be different due to different banks and policies. Before applying, you can understand the relevant procedures and regulations in order to better complete the repayment operation. At the same time, if you have any questions or need help, you can consult the local provident fund management agency or the customer service staff of commercial banks.
Legal basis:
"Regulations" of housing provident fund management sixteenth
The monthly deposit amount of employee housing provident fund is the average monthly salary of employees 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.