After using the housing provident fund loan, it can still be withdrawn.
According to the laws of our country, in any of the following circumstances, employees can withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
What are the procedures for using housing provident fund loans?
Housing provident fund loans need to go through the following procedures:
1, prepare the following materials:
(1) Proof of deposit of housing provident fund of the applicant and spouse;
(2) Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status;
(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
(4) valid documents such as purchase contract and agreement;
(5) List of mortgaged property and pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of mortgage evaluation issued by relevant departments;
(6) The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor sign a tripartite contract.
(7) Other information required by the Provident Fund Center.
2. Prepare complete loan materials, apply to the bank for acceptance and review in time, and submit them to the provident fund center in time.
3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.
4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other materials to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.
5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
According to the law, according to Article 24 of the Regulations on Housing Provident Fund Management, the borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other materials to the provident fund center for review. After the approval of the provident fund center, the entrusted loan funds will be allocated.
How to withdraw the provident fund after 20 19 loan?
Lead: Now that property prices are soaring, you can apply for a loan to buy a house. How can I withdraw the provident fund after the loan? Now I'll sort out the relevant information for your reference!
How to withdraw the provident fund from the loan to buy a house?
1, after withdrawing the provident fund, it will be "associated" with your loan repayment card. For example, after you make a monthly payment of 1500 and withdraw15,000 yuan, you are associated with a loan repayment card. After 10 months, there is no need to deposit money in the card, and the loan will be repaid with the money from the provident fund.
2. Withdraw all the balance in the provident fund account to repay the loan principal (once a year, there must be a certain balance in the account, which varies from place to place). After the principal is repaid, the loan principal will be reduced and the total interest will be reduced. Monthly payment or fixed number of years will be recalculated: if fixed number of years is selected,
3. After recalculation, the monthly payment will be reduced: if the monthly payment remains unchanged, the repayment period will be reduced, and you can choose at that time.
Loan to buy a house to withdraw provident fund policy?
1, provident fund withdrawal policy for employees to purchase the first home with commercial loans.
1) You can withdraw the housing accumulation fund from your or your spouse's account by transfer to pay for the house purchase. After the down payment is paid, the provident fund can be withdrawn once according to the registered purchase contract, but the withdrawal time is limited, which is within half a year from the date of signing the purchase agreement or purchase contract or before the payment date agreed in the purchase agreement or purchase contract.
2) If the withdrawal amount does not exceed the total house price, you can choose to repay the commercial loan certificate or two certificates after the first withdrawal of the provident fund for three years, and once the withdrawal method is determined, it cannot be adjusted.
2. The policy of two certificates extraction is: before March 8, 20 10, those who did not use the provident fund loan to buy a house can withdraw the provident fund once after handling the "two certificates" (real estate certificate and land certificate) within three years. If it has been extracted once, or after 3 years, it can't be extracted again.
After March 8, 3.20 10/0, a new cash withdrawal policy was introduced. If an employee purchases an unused housing provident fund loan, both husband and wife can be allowed to withdraw the provident fund 1 time every three years, and the accumulated withdrawal amount should be less than 70% of the total purchase amount.
4. The policy of withdrawing provident fund to repay commercial loans is that after the loan is successfully processed and repaid normally for half a year, employees and their spouses can withdraw the stored balance in the individual housing provident fund account and apply for 1 to transfer the loan every year (that is, to the bank savings account where the borrower agrees to repay the loan) until the balance of commercial loans is settled. It should be noted that the total amount of each withdrawal shall not exceed the remaining amount of commercial loans.
Prepared information:
(1) Extract data:
The application form for repayment of housing provident fund for the first time, the original commercial housing sales contract registered by the real estate management department (original second-hand housing sales invoice), the original loan contract and loan certificate and their copies; If the loan is withdrawn for the first time after one year, the original transaction details of the repayment card (this) stamped with the bank seal in the last 6 months shall be provided.
Re-extraction provides the extraction application form for repayment of housing provident fund, the extraction application form for repayment of housing provident fund last time, and the original transaction details of repayment card (this) stamped with the bank seal during this extraction period.
If a copy of the above Application Form for Withdrawing Housing Provident Fund to Repay Loans cannot be issued by the drawer, the original commercial housing sales contract (original second-hand housing sales invoice) and the original and copy of the loan contract registered by the real estate management department shall be provided again.
(2) Withdrawal period: the first withdrawal shall be made after the loan is issued, and it can be withdrawn once a year during the loan repayment period and once within 65,438+0 years after the loan is fully paid off.
(3) Withdrawal amount: the first withdrawal shall not exceed the down payment of house purchase (the second-hand house shall not exceed the invoice amount of house purchase minus the loan amount), and the second withdrawal shall not exceed the total repayment principal and interest during the current withdrawal time and the previous withdrawal period. If the balance of the borrower's housing provident fund account is insufficient, his spouse may apply for withdrawal. To withdraw the spouse housing provident fund, the original and photocopy of the marriage certificate are required.
How to withdraw provident fund loans
Legal analysis: 1. If the purchaser fails to withdraw the housing provident fund or apply for a housing provident fund loan at the time of purchase, he can withdraw the balance of the provident fund in the account at the time of purchase.
2. If the purchaser fails to withdraw the provident fund at the time of purchasing a house and applies for a housing provident fund loan, he can also withdraw the house after 1 year, and apply to the provident fund center for monthly payment with the commercial housing sales contract, purchase invoice or receipt registered by the housing management department (the monthly payment paid in 1 year cannot exceed the balance of the provident fund).
3. If a property buyer purchases a house again after handling the housing provident fund loan, he can withdraw the housing provident fund according to the materials extracted from the house purchase, and the withdrawal amount is the account balance after deducting the loan amount.
4. If the purchaser fails to repay the housing provident fund loan, he can extract the extractable amount according to the repayment situation of the previous year. The extraction materials can be prepared according to the loan repayment.
5. After the down payment is paid, the purchaser who buys a new house can withdraw it with the purchase contract and the unified invoice for real estate sales (pre-purchase or purchase); After the down payment, the buyers who buy second-hand houses can withdraw money with the stock house sales contract (or the stock house transaction fund custody agreement) and the stock house transaction fund custody certificate (the transaction fund is 30% or more of the house transaction price).
Legal basis: Regulations on the Management of Housing Provident Fund
Article 24 Under any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
How to withdraw the provident fund after using the provident fund loan?
1, you can take it out
2. Bring your own purchase contract, invoice and provident fund card, and fill in the withdrawal application form in the management center first.
Then let the company stamp, and finally submit it to the center for approval. You can take out everything you handed in before.
3. There is no time limit for withdrawing the provident fund. However, the best approval is generally within two years of buying a house.
4. If your monthly payment is equal principal and interest repayment, the algorithm is more complicated, that is, it is the same every month;
If the principal is equal, the specific algorithm is to divide the principal by 240 months to get the monthly principal, and the monthly interest is the monthly interest rate of your loan line provident fund.
How to withdraw provident fund loans?
According to their own situation, submit the corresponding audit materials in accordance with the law.
It is more common to withdraw the provident fund from the house to repay the loan. At this time, the reason for withdrawing the provident fund is in line with the first paragraph of Article 24 of the Regulations on the Administration of Housing Provident Fund. You need to submit the following information:
(1) Marriage certificate, ID card and household registration book of myself and my spouse.
(2) Power of Attorney authorizing banks to inquire about credit information.
(3) Application for withdrawal of provident fund.
(4) house property certificate.
(5) Bank loan contract.
(6) House payment invoice or receipt or deed tax payment certificate.
Article 25 of the Regulations on the Management of Housing Provident Fund: If an employee withdraws the balance stored in the housing provident fund account, it shall be verified by his unit and a certificate of withdrawal shall be issued. (At present, it is no longer necessary for the unit to stamp and agree to withdraw the provident fund. Of course, some places may be different. ) Employees shall apply to the Housing Provident Fund Management Center for withdrawal of housing provident fund with the withdrawal voucher. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
How to withdraw the balance after the provident fund loan
Legal analysis: after the loan, the user can apply for monthly repayment to the provident fund center with relevant information after 12 months, and can withdraw it once a year. Applicants for provident fund loans need to understand that the balance after provident fund loans can be withdrawn, but the corresponding conditions must be met. If the property buyer did not withdraw the provident fund when buying a house and applied for a housing provident fund loan, he can also withdraw the house after 1 year. The housing accumulation fund system is actually a housing security system and a form of monetization of housing distribution. The housing accumulation fund system is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed. Units and individual employees must fulfill their obligations to pay housing provident fund according to law. The housing provident fund paid by individual employees and the housing provident fund paid by the unit shall be stored in special accounts and owned by individual employees.
Legal basis: Regulations on the Management of Housing Provident Fund
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.