Problems related to the inheritance of provident fund
Q: My parents died, but their housing provident fund has not been spent. Do children have the right to inherit their parents' provident fund?
A: Yes. As the property of employees, provident fund can be inherited by heirs.
Q: My mother is about to retire. When she retires, the housing accumulation fund paid by her mother will be withdrawn. Can the mother's housing provident fund be passed on to her children?
A: This practice is not considered as inheritance, so it is not allowed. After retirement, the housing provident fund will stop paying and the housing provident fund will also be withdrawn.
Under what circumstances can I inherit the provident fund?
If an employee dies or is declared dead, the legal heir or legatee of the housing provident fund may withdraw the housing provident fund of the deceased employee.
Employees have no housing provident fund loans or have settled provident fund loans.
Who can inherit the provident fund?
1. The employee's heirs and legatees can withdraw the storage balance in the employee's housing provident fund account.
2. If the deceased has a will to a person who is not related by blood, the legatee can also inherit the provident fund.
Provident fund question and answer
1. Shanghai pays the provident fund normally and prepares to buy a house in another place. Can it be a provident fund loan?
You can ask whether the provident fund center where you buy a house has a loan policy in different places. If so, the Shanghai Provident Fund Center can issue a payment certificate when you normally pay the provident fund in Shanghai.
If there is no off-site loan policy in the local area, you can handle the house purchase and withdrawal business. If you and your spouse need to have no other outstanding housing provident fund loans in this city or use the balance of the housing provident fund account to repay the loans, you can apply for a one-time purchase withdrawal within six months from the date of issuance of the real estate license.
2. Do you need to terminate the provident fund rental withdrawal business if you apply for a house loan recently?
Applying for provident fund has nothing to do with whether there is a rental withdrawal. If you apply for a house loan, the rent withdrawal will be automatically terminated.
3. Can the portfolio loan be handled directly in the bank? Do I need to go to the provident fund management center?
Portfolio loans can be directly applied to the bank, and there is no need to apply to the provident fund management center separately.
4. Can I go through the repayment procedures of provident fund directly at the bank? After the monthly repayment of the provident fund loan, will the commercial loan be repaid automatically if there is any balance?
Loan repayment is the first normal repayment after applying to the loan issuing bank. The portfolio loan will be used to repay the priority provident fund, and the rest can also be used to offset the commercial loans in the portfolio.
5. Last year, I applied for the repayment of the principal equal to the pure provident fund. Can I change it to equal principal and interest now?
Once the repayment method of pure provident fund loan is signed, it cannot be changed.
6. The first suite of parents needs an operating loan of 6,543.8+0,000 yuan. Considering the economic repayment ability, parents need to borrow 600,000 yuan from the operation, and the remaining 400,000 yuan can be borrowed from the children's provident fund?
The above method can't handle it. Whether it is a pure housing provident fund loan or a portfolio loan, the provident fund loan part needs a main lender. Without the main lender, there will be no separate lender.
7. My wife and I jointly borrowed money to buy a house (joint business loan and my own provident fund loan). I wrote two names. I am the main lender. Can I withdraw the balance of my wife's parents' provident fund to repay the loan?
A. If you intend to apply for loan repayment, you can only apply if the main lender, the spouse of the main lender and the lineal blood relatives of the main lender meet the requirements.
B However, individuals who purchase self-occupied housing with ownership, their spouses, lineal blood relatives and members of the same family, and who have no housing provident fund loans in this city and have not been entrusted to withdraw housing provident fund repayment loans, can withdraw the balance of the provident fund account within six months after the issuance of the property right certificate. If your parents-in-law are the property owner or the spouse, lineal blood relatives and family members of the property owner, and meet the above conditions, you can apply for buying a house.
8. The previous student loan was overdue for many times and has now been paid off. Now I want to apply for a pure provident fund loan to buy a house. Does the previous overdue matter?
At present, pure provident fund loans do not consider personal credit information.
(The above answers were published on 20 17-02-27. The current purchase policy should be based on the actual situation. )
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