I. Purchase of commercial housing
Employees who purchase commercial housing shall apply for the purchase of housing provident fund within one year from the date of filing the purchase contract. Those who have filed the purchase contract for more than one year shall not apply.
(1) Handling requirements
1, my ID card and bank card;
2. Registration of the house purchase contract within one year (filing password is required for online signing);
3. Purchase invoices paid according to the contract requirements;
4. If the spouse of the purchaser withdraws the housing provident fund, it shall also provide the proof of the relationship between husband and wife and the identity certificate of the purchaser, and the purchaser shall go to the counter to review and sign the identity;
5. To buy self-occupied housing outside the province, the household registration certificate that the employee or his spouse is a resident of this province or the social security certificate that he works in this province is required.
(2) Handling channels
APP or net hall, counter.
(3) Withdrawal amount
The withdrawal amount shall be limited to the amount payable as agreed in the house purchase contract (agreement) of the current month, and the accumulated withdrawal amount shall not exceed the balance of the total house price minus the loan principal.
(4) Precautions
1. The spouse of the purchaser submits the application for withdrawal of housing provident fund through online lobby and mobile APP channel. If the staff can check their marriage information online, there is no need for buyers to go to the counter for review; If the staff can't check their marriage information through the internet, they need to check at the counter with their identity documents.
2. If the spouse of the purchaser comes to the counter to handle the house purchase extraction business, the purchaser shall go to the counter to review and confirm the business. If the buyer's spouse comes to the counter alone, the staff can check his marriage information online, so there is no need to ask the buyer to come to the counter for review.
Two, construction, renovation, overhaul occupied housing
Workers who build or renovate self-occupied housing shall apply for the construction and withdrawal of housing provident fund within one year from the date of issuance of construction permit or construction record certificate, and those who exceed the prescribed time for one year shall not be handled.
(1) Handling requirements
1, my ID card and bank card;
2. Construction and renovation of self-occupied housing: building construction permit, or construction record certification materials, or construction permit certification materials issued by local government functional departments;
3. Overhaul of owner-occupied housing: property right certificate, certificate of overhaul C-class housing appraisal issued by qualified housing appraisal department;
4. If the spouse of the builder withdraws the housing provident fund, he/she must also provide the proof of the relationship between husband and wife and the identity certificate of the builder, and must go to the counter to check and sign for identity confirmation.
(2) Handling channels
Counter.
(3) Withdrawal amount
1. If the owner-occupied house built/repaired has not applied for individual housing loan, the withdrawal amount shall not exceed the construction/repair project cost;
2. If the owner-occupied housing is built/repaired and an individual housing loan is applied, the sum of the withdrawal amount and the housing loan amount shall not exceed the construction/repair project cost.
(4) Precautions
If the spouse of the builder comes to the counter to handle the house purchase and withdrawal business, the builder needs to go to the counter to review and confirm the business. If the spouse of the builder or repairer goes to the counter alone and the staff can check his marriage information online, then the builder or repairer does not need to go to the counter for review.
Legal basis:
"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (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.