1. What are the extraction conditions of Changzhou housing provident fund? (1) Housing category 1, owner-occupied housing with ownership purchased, built, renovated or overhauled; 2. Repay the principal and interest of the house purchase loan; 3. renting a house for self-occupation; 4. Buy second-hand houses in this city; 5. Annual repayment amount of commercial loans; 6, the purchase of the city's demolition resettlement housing extraction; 7, the purchase of public housing extraction. (2) Non-housing category 1, retiring (or reaching the statutory retirement age); 2, completely lose the ability to work, and terminate the labor relationship with the unit; 3. Go abroad to settle down; 4, non city registered permanent residence workers and units to terminate the labor relationship; 5, the account moved out of the city, and terminate the labor relationship with the unit; 6. Laid-off workers, male 45 years old (including 45 years old), female 40 years old (including 40 years old), laid-off and unemployed for more than 12 months. 2. How to use the provident fund loan (1) The borrower shall submit a written application for the housing provident fund loan to the housing provident fund management center, and truthfully fill in the housing provident fund loan application form and related materials, such as: personal identity card, borrower's marriage certificate, income certificate of the applicant and spouse, original legal purchase contract, stamp of the applicant and spouse, etc. (2) The first-instance housing provident fund management center conducts a first-instance review of the applicant's materials, including the applicant's qualification, loan amount, term, etc. After the first trial is passed, the management center will issue a notice of mortgage review and evaluation. (3) After receiving the Notice of Collateral Examination and Evaluation, the applicant will take the notice to the designated evaluation institution to evaluate the value of the house to be purchased. If it is affordable housing, there is no need to evaluate it. (four) after the applicant obtains the appraisal report issued by the appraisal institution, he shall go to the provident fund management center for examination and payment with the appraisal report and preliminary examination materials. If it passes the examination, the management center will issue the Notice of Investigation on the Entrusted Loan Guaranteed by the Housing Provident Fund Management Center. (five) the applicant who has gone through the guarantee formalities shall go through the guarantee formalities according to the guarantee method of his choice with the Notice of Investigation on Entrusted Loan Guarantee issued by the Housing Provident Fund Management Center. If the selected guarantee method is mortgage guarantee, the guarantor shall issue a written guarantee certificate; If the guarantee method you choose is mortgage plus insurance or third-party guarantee, you should go to the guarantee company to handle the entrusted guarantee formalities or go to the insurance company to insure. (VI) Signing a loan contract After all the above matters are passed, the applicant can sign a loan contract. Third, the premise of how to withdraw the provident fund is that you must have money in your account, and it doesn't matter whether you are still paying in the current month. The minimum payment month is more than 6 months. When withdrawing the provident fund, you should pay attention to the fact that in the end, you have to leave about 200 yuan in your account, so you can't withdraw all of it. Many cities have the withdrawal period of provident fund. For example, if you left your last company for more than 2 years, you can withdraw all the provident fund paid by your last company. You need to contact your previous company and ask them to issue you a provident fund certificate, but generally speaking, when you leave your job, the company has prepared this material for you. Then you go to the local provident fund withdrawal office and fill out an application form for provident fund withdrawal. And your income certificate and other documents should be ready. Of course, different cities have different requirements for provident fund withdrawal. You need to consult the local authorities for details. If there is a demand for renting or buying a house and you are ready to withdraw the provident fund, it will be easier. You can go through the withdrawal procedures of provident fund more quickly with the official seal contract of renting or buying a house.

Legal objectivity:

1. In any of the following circumstances, employees can apply for withdrawing the storage balance in the housing provident fund account: 1. Purchase, construction, renovation and overhaul of self-owned housing; 2. Repay the principal and interest of the house purchase loan; 3. renting a house for self-occupation; 4. Retirement (or reaching the statutory retirement age); 5. Completely lose the ability to work, and terminate the labor relationship with the unit; 6. Go abroad to settle down; 7. Non-registered employees in this Municipality terminate labor relations with their units; 8 accounts to move out of the city, and terminate the labor relationship with the unit; 9. Laid-off workers, male 45 years old (including 45 years old), female 40 years old (including 40 years old), laid-off and unemployed 12 months or more; 10. When an employee dies or is declared dead, his successor or legatee applies for withdrawing the balance stored in the employee housing provident fund account; If it is extracted according to the above item 1-3, the extraction amount shall be kept to ten integers; According to item 4- 10, the employee housing provident fund account shall be cancelled at the same time. 2. Employees applying for withdrawal of housing provident fund shall be handled according to the following procedures: (1) application time 1. If you purchase unsecured self-occupied housing, you should apply within two years after paying the house price, and then withdraw it once every six months until the withdrawal amount reaches the actually paid house price. 2. If the principal and interest of the house purchase loan are repaid, an application shall be made within the repayment period, and it shall be withdrawn once every six months until the total amount of the housing provident fund withdrawn reaches the sum of the actual down payment and the repaid loan principal and interest. 3. For the construction, renovation and overhaul of owner-occupied housing, only one application can be made within the validity period of examination and approval, and the total amount of housing provident fund extracted cannot exceed the cost of construction, renovation and overhaul of owner-occupied housing. 4. If renting a house for self-occupation, apply within the term of the lease contract, and then withdraw it once every six months until the total amount of housing provident fund withdrawn reaches the actual rent paid. (2) Extraction procedure 1. Employees who meet the above conditions shall go to the bank where the housing provident fund is opened to collect and fill in the withdrawal application form, and go through the examination and approval formalities with relevant certification materials. 2. If you buy a self-occupied house, repay the principal and interest of a house loan or rent a house for self-occupation, after the first examination, the bank that opened the account will issue the Registration Certificate of Guangzhou Housing Provident Fund Withdrawal, and then go through the withdrawal formalities with the Registration Certificate of Guangzhou Housing Provident Fund Withdrawal. 3. If the original unit is revoked, dissolved or bankrupt, and the employee housing provident fund is managed by the superior competent department, when the employee withdraws the housing provident fund, the superior competent department shall verify and add an opinion, and go through the audit procedures at the bank with relevant certification materials; If there is no superior competent department and the employee housing provident fund is managed by Guangzhou Housing Provident Fund Management Center, the relevant certification materials shall be submitted to Guangzhou Housing Provident Fund Management Center for review. 3. When employees apply for withdrawal of housing accumulation fund, they shall submit the following supporting materials: (1) If they purchase unsecured self-owned houses, they shall provide the following supporting materials: If they purchase first-hand houses, they shall provide the purchase contract (or pre-sale contract), purchase invoice (or receipt), original and copy of ID card when withdrawing for the first time; When withdrawing in the future, provide the Guangzhou Housing Provident Fund Withdrawal Registration Certificate and the original ID card of the extractor. If you buy a second-hand building, you should provide the real estate license, deed tax payment certificate, original ID card and a copy when you take it for the first time; When withdrawing in the future, provide the Guangzhou Housing Provident Fund Withdrawal Registration Certificate and the original ID card of the extractor. If the compensation for land acquisition is purchased to increase the housing area, when it is first withdrawn, it shall provide an agreement on house demolition and resettlement, an invoice for purchasing the increased housing area, and the original and photocopy of the ID card; When withdrawing in the future, provide the Guangzhou Housing Provident Fund Withdrawal Registration Certificate and the original ID card of the extractor. (two) to repay the principal and interest of the house loan, the loan contract signed with the bank shall provide the original and photocopy of the ID card when the first withdrawal; When withdrawing in the future, provide the Guangzhou Housing Provident Fund Withdrawal Registration Certificate and the original ID card of the extractor. (3) For the construction of owner-occupied housing, provide the land use certificate (or real estate license) approved by the urban construction department at or above the town (township), the building approval document of the planning department at or above the town (township), the invoice (or receipt) for purchasing building materials, and the original and photocopy of the ID card. Decoration of owner-occupied housing, provide decoration approval letter, real estate license, invoice (or receipt) for purchasing building materials, original and photocopy of ID card from the urban construction department above the town (township). Overhaul the owner-occupied housing, and provide the housing safety appraisal certificate, real estate license, repair expense invoice (or receipt), original and photocopy of ID card issued by the housing safety appraisal institution above the town (township). (four) for renting a house for self-occupation, when extracting for the first time, provide the lease contract (referring to the contract registered by the housing management department or the public housing lease contract signed with the unit), the rent invoice (or receipt), the original and photocopy of the ID card; When withdrawing in the future, provide the Guangzhou Housing Provident Fund Withdrawal Registration Certificate and the original ID card of the extractor. (five) the original and photocopy of the retirement certificate and ID card. To reach the statutory retirement age, provide the original and photocopy of the ID card. (six) completely lost the ability to work, and terminate the labor relationship with the unit, provide the certificate of the hospital above the city, the certificate of termination of the labor relationship between the employee and the unit, and a copy of the original ID card. (seven) to settle abroad, provide the original and photocopy of the visa and passport. (eight) non registered employees and units to terminate the labor relationship, provide proof of termination of labor relations between employees and their units, the original identity card and a copy. (9) If the registered permanent residence moves out of the city and terminates the labor relationship with the unit, provide the certificate of moving out of the registered permanent residence, the certificate of termination of the labor relationship between the employee and the unit, and the original and photocopy of the ID card. (10) Unemployed (or laid-off) personnel, male 45 years old (including 45 years old), female 40 years old (including 40 years old) or above, and have been unemployed (or laid-off) 12 months or more, provide unemployment certificate (or laid-off certificate), original ID card and a copy. (1 1) If an employee dies or is declared dead, his successor or legatee shall provide the household registration book, the identity card of the extractor, the original and photocopy of the legal inheritance identity certificate notarized by a notary office. I can't handle the withdrawal in person, and if I entrust others to handle it, I need to provide the power of attorney notarized by the notary office and the original and photocopy of the employee's and client's ID cards. In case of the above-mentioned items (1), (2) and (3), the family members who have the ownership of the house purchased, built, renovated or overhauled may withdraw the storage balance in their own housing provident fund account, but the total amount of housing provident fund mentioned shall not exceed the cost of the house purchased, built, renovated or overhauled or the amount of repayment of the principal and interest of the house purchase loan. When applying for withdrawing the balance stored in my housing provident fund account, I need to provide proof of property rights (the spouse needs to provide a marriage certificate or household registration book) and the above-mentioned relevant certification materials.