After the Housing Provident Fund Management Center of the deposit place issues the Certificate of Deposit and Use of Housing Provident Fund for the employees with loans from different places, the employees with deposits can also apply for housing provident fund loans from different places to buy a house.
In addition, it is also a common use to withdraw the provident fund to buy a house. All employees who purchase self-occupied housing and deposit housing provident fund can apply for withdrawing the balance of housing provident fund that does not exceed the purchase amount. According to the different local extraction conditions in different cities, the housing accumulation fund of spouse, parents or children can be extracted.
Although it is also the housing provident fund, not all companies pay it according to the highest standard, so some people are in an embarrassing situation, with low wages and low payment base. It is far from enough to deduct the loan with this money, but the provident fund accounts for a part of their salary, which makes them very embarrassed.
Can't you withdraw the provident fund without buying a house? In fact, the provident fund has other uses besides loans to buy a house.
1. Withdraw and repay the housing loan
The balance in the housing provident fund account can be used to repay housing loans, including commercial housing loans, provident fund loans and portfolio loans.
Employees who handle the provident fund loan repayment business can apply for entrusted loan repayment, that is, entrust the provident fund center to extract the storage balance in the housing provident fund account for repayment of individual housing loans. Entrusted loan repayment is divided into entrusted monthly repayment and entrusted annual repayment. Employees handling entrusted withdrawal business generally include borrowers and their spouses, borrowers and spouses with property rights.
Housing provident fund can be used to repay both local housing loans and off-site housing loans, and the withdrawal amount shall not exceed the actual total repayment of loan principal and interest. If an employee repays part (or all) of the housing loan in advance, he can withdraw the storage balance in the housing provident fund account of the month specified in the prepayment voucher, and the withdrawal amount shall not exceed the prepayment amount.
2. Difficulties in family life can be extracted.
Employees' families encounter major emergencies (such as car accidents, fires, earthquakes, accidental personal injuries, etc.). ) causing difficulties in family life, or employees' families enjoy the minimum living guarantee for urban residents, they can apply for withdrawing the balance in the housing provident fund account.
3. Withdraw and pay the rent
Workers who have no self-owned housing or rented housing in the place where the housing provident fund is paid, and have paid the housing provident fund in full and continuously for a specified period (usually 3 months), may apply for withdrawing the balance in the housing provident fund account to pay the rent. There are restrictions on the amount of withdrawals everywhere. Ordinary employees and spouses can withdraw it once a year.
Decorate the house
Workers who have paid the housing provident fund can apply for withdrawing the amount in the housing provident fund account for housing renovation, or apply for housing provident fund renovation loans. However, the housing provident fund decoration extraction business and decoration loan business are not applicable to housing provident fund everywhere at present. As a new business, the feasibility of decoration extraction or loan depends on the specific provisions of the local housing provident fund management center.
5. Cancel the account and withdraw all the balance.
If the paid employees meet certain conditions, they can apply for withdrawing all the balance of the housing provident fund account and canceling the individual housing provident fund account. For example, retired workers, living abroad, completely incapacitated, dead or declared dead, and so on.
6. Withdraw and pay medical expenses
Because employees themselves or their family members (spouses, minor children) suffer from major diseases or major operations, they can apply for withdrawing the amount in their housing provident fund accounts to pay their own expenses after reimbursement of social insurance medical expenses. The standards for the identification of major diseases shall be subject to the provisions of the local housing provident fund management centers.
4. Buy a house for children
Children who use commercial bank loans to buy a house can withdraw their parents' provident fund to repay the loan after paying the down payment; Property buyers who have not used housing loans or purchased their own houses can withdraw their parents' provident fund.
Changde poly times
on sale
Reference price: 6500-6800 yuan/m2.
Property address: Changde high-speed rail exhibition area opposite Junde School (intersection of Wanshou Road and Shuangqiao Road)
Property telephone number: 400-8 19-6590 to 02 1 1.
No discount for the time being