Everyone knows the company’s five insurances and one fund, one of which refers to the housing provident fund. The housing provident fund has many benefits. For example, when employees purchase and build housing, they can apply for a housing provident fund loan, which has a much lower interest rate than ordinary commercial personal housing loans, etc. So do you know the legal content related to the housing provident fund? Do you know the conditions for withdrawing the housing provident fund in Binzhou City? Let's follow me to find out.

1. What is the housing provident fund? The housing provident fund refers to state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social Long-term housing savings deposited by groups and their employees.

II. Binzhou City Housing Provident Fund withdrawal conditions 1. Purchase, build, renovate or overhaul a self-occupied house with property rights; 2. Repay the principal and interest of a commercial bank self-occupied housing loan; 3. Retire; 4. Completely lost the ability to work and terminated the labor relationship with the unit; 5. Persons with urban household registration in this city who terminated the labor relationship with the unit and have not been re-employed for more than 1 year (including 1 year); 6. Persons with non-local household registration in this city and migrant workers from rural areas The labor relationship between the employee and the unit is terminated; 7. The employee is transferred out of this city (excluding transfer within the city) or settles abroad; 8. The employee dies or is declared dead; 9. The employee himself, his spouse and his immediate family members Those who suffer from one of the nine specified serious or serious illnesses that make family life particularly difficult; 10. Those who enjoy the minimum living security for urban residents.

3. Withdrawal materials 1. Personal ID card 2. Housing provident fund withdrawal application form (2 copies) Instructions for filling out the Binzhou provident fund withdrawal application form 3. Provide the following supporting materials according to different withdrawal situations: House Binzhou City Housing Provident Fund Withdrawal Materials Non-housing Binzhou City Housing Provident Fund Withdrawal Materials

IV. Withdrawal Process 1. After the applicant meets the withdrawal conditions, fill in the "Binzhou City Housing Provident Fund Withdrawal Application Form" "Two copies, approved by the unit and stamped with the official seal of the unit. 2. The applicant shall bring the following materials to the business acceptance hall for preliminary review. The applicant will be accepted only after passing the preliminary review: (1) Completed "Binzhou City Housing Provident Fund Withdrawal Application Form" (2) Original relevant certification materials that meet the withdrawal conditions And a copy (3), a copy of the bank debit card or passbook in my name that is consistent with the bank where the personal provident fund account is opened (see remarks). 3. Approval: After the accounting department puts forward preliminary opinions on the accepted withdrawal materials, it will be submitted to the director for approval, and then transferred to the entrusted bank after approval. 4. Transfer to personal bank account The entrusted bank will transfer the provident fund to the bank account provided by the applicant on the afternoon of the third working day from the day the materials are accepted. Note: Applicants can inquire the bank where the personal provident fund account is opened through the unit provident fund business manager and provide a copy of the passbook or bank card of the same bank.

5. Withdrawal Amount 1. If an employee purchases, builds, renovates or overhauls a self-occupied house with property rights, the employee himself and his spouse can withdraw the amount stated on the date of the last payment invoice or the date of issuance of the real estate certificate The balance of the housing provident fund account for the current month is stored, but the total withdrawal amount by the employee himself and his spouse shall not exceed the actual house purchase expenditure. 2. Rural migrant workers who build or renovate self-occupied housing in the place where their household registration is registered can withdraw the housing provident fund balance in the month on which the collective land construction land use certificate is issued or the house ownership certificate is issued, but the employee himself and his spouse The total withdrawal amount shall not exceed the actual purchase expenses incurred. 3. If an employee repays a self-occupied housing loan from a commercial bank, the employee and his or her spouse can withdraw the housing provident fund during the period of repayment of the house purchase loan, but the cumulative amount withdrawn by the spouses shall not exceed the total principal and interest of the loan during the repayment period. 4. If an employee pays off the housing provident fund loan, the employee himself and his spouse can withdraw the housing provident fund, but the cumulative amount withdrawn by the spouses shall not exceed the total principal and interest of the loan during the repayment period.

5. If the employee, spouse or immediate family members suffer from one of the nine specified serious diseases that makes family life particularly difficult, the employee himself can withdraw the balance of the housing provident fund account, but it shall not exceed the personal burden of medical expenses.

VI. Withdrawal time 1. If employees repay their own housing loans from commercial banks, they should provide the housing loan contract and the repayment voucher issued by the bank (repayment bank card customer transactions in the past year stamped by the bank) Details or personal repayment passbook) and repayment schedule; 2. If employees settle the housing provident fund loan, they should provide the housing provident fund unfreezing notice and settlement certificate (the loan settlement time should be within one year). 3. Within a year, each employee is allowed to withdraw housing provident fund from his or her housing provident fund account at most once. The housing provident fund is the amount paid by the individual and the amount paid by the employer at the same time, which is equivalent to double the amount put into the personal account. It is usually useless. If you buy a personal home, you can use it for a loan. The loan interest rate is far lower than the bank loan interest rate in the same period. You can withdraw money for home decoration (just ask the unit for specific withdrawal regulations). In addition to loans and cash withdrawals when buying a house, the housing provident fund can only be withdrawn in one go when you leave your job or retire.