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Chengdu commercial loans converted to provident fund loans

Legal analysis:

If you buy a house in China except Hong Kong, Macao and Taiwan, you can withdraw the provident fund paid in Chengdu, but you need relevant information. If you buy a commercial house, commercial For loans, come to Chengdu to withdraw the down payment within one year after the contract is registered (requires the purchase contract, registration form or registration number, purchase invoice or down payment receipt, personal ID card, withdrawal certificate issued by the unit in duplicate, provident fund card ), you need to wait until one year after the loan has been repaid to withdraw it again, and then withdraw it every 12 months until the loan is paid off.

Legal basis:

"Housing Provident Fund Management Regulations" Article 24 If an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account:

(1) Purchasing, constructing, renovating or overhauling self-occupied housing;

(2) Retired or retired;

(3) Completely losing the ability to work, and Terminating the labor relationship with the employer;

(4) Leaving the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(6) The rent exceeding the household limit stipulated proportion of salary income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.

If an employee dies or is declared dead, the employee’s heirs and legatees can withdraw the balance in the employee’s housing provident fund account; if there is no heir or legatee, the balance in the employee’s housing provident fund account can be withdrawn. Included in the value-added income of the housing provident fund.