Extraction condition

Conditions for me and my spouse to withdraw housing provident fund:

1, purchase, build, renovate and overhaul owner-occupied houses with property rights;

2. Repay the principal and interest of the house purchase loan;

3. Lease the housing in this city for self-occupation.

Conditions for withdrawing my housing provident fund:

1, retired, retired;

2, completely lose the ability to work, and terminate the labor relationship with the unit;

3. Leave the country to settle down;

4, enjoy the minimum living guarantee for urban residents in this city;

5, and the termination of labor relations with the city units for 2 years (including 2 years) or more without re employment;

6, the household registration moved out of the city or the household registration is not in the city, and the labor relationship with the city unit was terminated and left the city;

7. The employee himself or his immediate family members suffer from serious diseases, causing serious difficulties in family life;

8, rural migrant workers and units to terminate the labor relationship.

Under what circumstances can't I withdraw the housing provident fund?

Interim Provisions of Wuhan Municipality on the Administration of Housing Provident Fund Extraction (Original)

Extraction process

1, the employee goes to the bank or unit where the housing provident fund is deposited to collect and fill in the Application Form for Withdrawing the Housing Provident Fund (the employee fills in the Application Form for Repaying the Commercial Housing Loan from the Housing Provident Fund when paying the commercial loan);

How to withdraw Wuhan housing accumulation fund? (Non-house purchase version)

Wuhan Housing Provident Fund Extraction Process (House Purchase and Rent Edition)

Sample of Wuhan Housing Provident Fund Withdrawal Application Form (with download link)

2. When employees apply to the unit for withdrawing housing provident fund, the unit where they work should carefully verify the authenticity of the reasons for withdrawal, and sign an opinion on the application form for withdrawing housing provident fund and affix the official seal of the unit (if employees repay commercial loans, they need to go to the loan bank to seal and confirm);

3, the workers hold the "housing provident fund withdrawal application form" and related information to the management center and its branches or deposit bank for the withdrawal of audit procedures;

4, the management center and its branches or deposit bank in accepting the application for employee withdrawal, after examination and approval, should be in the "housing provident fund withdrawal application form" signed consent; If there is any doubt after examination, it shall keep the relevant extraction certification materials, and make a decision on whether to approve the extraction within 3 working days, and notify the applicant;

Wuhan Provident Fund Withdrawal Voucher (Sample+Download)

5. After the management center and its branches or the deposit bank have passed the examination and approval, the employees shall issue the certificate of housing provident fund withdrawal to their units with the "Application Form for Housing Provident Fund Withdrawal" that has passed the examination and approval, and go through the withdrawal procedures at the deposit bank;

6. If the withdrawal amount is more than 6,543,800 yuan (including 6,543,800 yuan), and the owner-occupied housing is built, renovated or overhauled, and the employee's family enjoys the minimum living guarantee for urban residents in this city, and the family life of the employee or his spouse or children is particularly difficult due to major diseases, and the employee's family suffers from fire, earthquake, etc., and the housing provident fund is deposited in the bank for purchasing the own housing. Must go to the management center or the management center or its branches for approval, with the "housing provident fund extraction application form" and the "housing provident fund extraction certificate" issued by the unit to the deposit bank for extraction procedures.

Handling location:

1, Wuhan Provident Fund Management Center

Wuhan housing fund management center

Address: Jinghan Avenue 1248

Wuhan housing fund management center Wuchang branch

Address: near No.201Luo Yu East Road.

Wuhan housing fund management center hanyang branch

Address: Hanyang District, Wuhan

Wuhan housing fund management center university branch

Address: Floor B 1-2, Hubei Science and Technology Venture Building, No.34 Xiaohong Shandong District, Wuchang District

Wuhan housing fund management center Hankou branch

Address: Dongxihu District, Wuhan

Wuhan housing fund management center provincial branch

Address: No.66 Hongshan Road

Jianghan Oilfield Housing Fund Management Center Wuhan Office

Address: No.0/8, Daxueyuan Road, Donghu High-tech Development Zone

Wuhan housing fund management center railway branch

Address: Wuchang District, Wuhan, Hubei Province

Wuhan Housing Fund Management Center Railway Branch (Youyi Avenue)

Address: Friendship Avenue 13 and 17.

2, Wuhan provident fund handling bank outlets

Address and Telephone Number of Wuhan Housing Provident Fund Withdrawal Bank (Daquan)

Extract material

Housing category

1. If the first owner-occupied house is purchased and the purchase price has not been paid, the information required for this withdrawal procedure:

(1) Application Form for Housing Provident Fund Extraction and Wuhan Housing Provident Fund Extraction Certificate audited and sealed by the unit;

(2) The original and photocopy of my ID card;

(3) The original and photocopy of my housing provident fund deposit certificate (housing provident fund account book or joint card);

(4) The name, line number and account number of the sales organization;

(5) The original and photocopy of the deposit receipt;

(6) Requirements related to house purchase (purchase of commercial housing and affordable housing, and the house purchase contract has been filed in the real estate department; Housing reform to buy a house requires the "approval of selling a house" and the purchase agreement of the municipal housing reform office, the "approval form of funds" and the purchase agreement of the provincial housing reform office; The original and photocopy of the fund-raising agreement of the municipal real estate bureau or the provincial competent department shall be provided for the purchase of fund-raising housing.

2. Purchase the first self-occupied house, and the purchase price has been paid in full to extract the required information:

(1) Application Form for Housing Provident Fund Extraction and Wuhan Housing Provident Fund Extraction Certificate audited and sealed by the unit;

(2) The original and photocopy of my ID card;

(3) The original and photocopy of my housing provident fund deposit certificate (housing provident fund account book or joint card);

(four) the original and photocopy of the real estate license and the state-owned land use certificate;

(5) The original and photocopy of the full purchase invoice or formal receipt.

Wuhan Housing Provident Fund Extraction Materials (House Purchase and Rental Edition)

Non-housing category

1. Information required for employees to withdraw housing provident fund due to retirement or cancellation:

(1) Application Form for Housing Provident Fund Extraction and Wuhan Housing Provident Fund Extraction Certificate audited and sealed by the unit;

(2) The original and photocopy of my ID card;

(3) The original and photocopy of my housing provident fund deposit certificate (housing provident fund account book or joint card);

(4) My Retirement Certificate or the Retirement Certificate issued by the labor and personnel department. If I have not obtained a retirement certificate, the age indicated on my ID card should reach the statutory retirement age stipulated by the state (60 years old for male employees and 55 years old for female employees), and the labor and personnel department of my unit will issue a certificate.

2, workers completely lose the ability to work and terminate the labor relationship with the unit to extract the information needed for housing provident fund:

(1) Application Form for Housing Provident Fund Extraction and Wuhan Housing Provident Fund Extraction Certificate audited and sealed by the unit;

(2) The original and photocopy of my ID card;

(3) The original and photocopy of my housing provident fund deposit certificate (housing provident fund account book or joint card);

(4) The original and photocopy of the disability certificate issued by the hospital above the municipal level;

(5) The original and photocopy of the agreement to terminate the labor relationship with the unit.

3. Information required for employees and units in different places in China to cancel labor relations and withdraw housing provident fund:

(1) Application Form for Housing Provident Fund Extraction and Wuhan Housing Provident Fund Extraction Certificate audited and sealed by the unit;

(2) The original and photocopy of my ID card;

(3) The original and photocopy of my housing provident fund deposit certificate (housing provident fund account book or joint card);

(4) The original and photocopy of the agreement to terminate the labor relationship with the unit.

Complete materials: What are the extraction materials of Wuhan housing provident fund? (Non-house purchase version)

Withdrawal quota

1. If I meet the conditions for withdrawing the housing provident fund, I can withdraw all the principal and interest balance in the employee housing provident fund account and cancel the individual housing provident fund account at the same time.

2. If an employee buys the first self-occupied house and does not choose to use the housing provident fund loan, both husband and wife of the employee are allowed to withdraw the house 1 time every three years (excluding the amount below 100 yuan):

(1) If the employee or spouse fails to pay the house price when purchasing the first self-occupied house, it shall be transferred by 1 time from the date of signing the house purchase contract or agreement to the final payment date agreed in the house purchase contract or agreement; If the transfer withdrawal amount does not exceed 70% of the total purchase price, it can be withdrawn again with full invoice or official receipt, house ownership certificate and state-owned land use certificate three years after the first transfer withdrawal, and the cumulative withdrawal amount does not exceed 70% of the total purchase price;

(2) If the employee or spouse pays off the purchase price of the first suite in full with their own funds, they can withdraw 1 time every three years with full invoices or official receipts, real estate licenses and state-owned land use certificates, and the total withdrawal amount shall not exceed 70% of the total purchase price;

(3) Employees or spouses who purchase self-occupied houses as second-hand houses can withdraw 1 time every three years on the basis of the transferred Property Ownership Certificate, State-owned Land Use Certificate and the paid deed tax invoice, and the total amount of withdrawal shall not exceed 70% of the taxable house price on the paid deed tax invoice.

(4) If you choose to use commercial loans to buy self-occupied houses and the loans have not been paid off (limited to the purchase of houses in this city), you can transfer them to 1 time every three years after the loans are issued and repaid normally (transferred to the bank savings account where the borrower agrees to repay), and before the balance of commercial loans is settled, the total amount of each withdrawal by employees and spouses shall not exceed the sum of the monthly repayments due in the previous three years (36 installments).

3. If the monthly rent exceeds 20% of the family's monthly wage income, during the lease period when the housing lease agreement is signed, the housing accumulation fund should be withdrawn every year 1 time, and the total withdrawal of employees and spouses should not exceed the difference after deducting 20% of the family's wage income during the lease period. The maximum monthly withdrawal of individual employees should not exceed 600 yuan, and the maximum monthly withdrawal of husband and wife should not exceed 800 yuan.

4. If the municipal government rents low-rent housing, the housing accumulation fund shall be withdrawn every year 1 time during the lease period, and the total withdrawal of employees and spouses shall not exceed the lease fee during the lease period.

5. Workers or spouses who build, renovate or overhaul self-occupied houses with common property rights may withdraw the housing accumulation fund in one lump sum within 1 year from the date of issuance of the Construction Project Planning Permit or the Notice of Dangerous Houses, and the total amount of withdrawal (excluding the amount below 100 yuan) shall not exceed the actual expenditure of building, renovating or overhauling self-occupied houses.

6. If the paid employees, their spouses and children suffer from serious diseases, the housing accumulation fund shall be withdrawn at one time within 1 year from the date of hospitalization or discharge, and the total amount of withdrawal (excluding the amount below 100 yuan) shall not exceed the total amount of medical expenses actually paid by individuals (excluding the part paid by the unit for reimbursement or medical insurance).

7. If family life is particularly difficult due to fire, earthquake, etc., the housing provident fund shall be withdrawn in one lump sum within 6 months from the date of the accident or disaster, and the total amount of withdrawal shall not exceed the total loss actually borne by the individual (excluding insurance compensation).

8. Before the promulgation of these Provisions, employees and their spouses who purchase self-occupied housing in full with their own funds are allowed to withdraw the housing 1 time once within three years of purchasing the house (subject to the registration time of the real estate license), but they do not enjoy the policy of withdrawing 1 time every three years.

Extraction time

For users who withdraw for the first time, the arrival time is within three working days after the withdrawal time specified in the Confirmation Sheet for Agreed Withdrawal of Housing Provident Fund.

The arrival time of each subsequent withdrawal is within three working days from the agreed withdrawal date calculated according to the withdrawal period.