1, the amount of provident fund loans will increase.
According to the latest policy, the amount of provident fund loans will be further increased from 2023. Specifically, the maximum loan amount of first-tier cities will increase by 20% on the basis of the existing quota;
2. The interest rate of provident fund deposits will be lowered.
The deposit interest rate of provident fund refers to the interest income earned by employees who deposit provident fund. The current interest rate varies from province to province, but the overall trend is downward. It is estimated that by 2023, the interest rate of provident fund deposits will be further lowered, which means that employees' provident fund income will be reduced;
3. The conditions for drawing the provident fund will be relaxed.
At present, the extraction conditions of provident fund are relatively strict, and it can only be extracted in the case of buying a house, owing on the loan, serious illness and so on. However, with the development of society and the increase of workers' demand, the conditions for withdrawing provident fund will be gradually relaxed. It is estimated that by 2023, the needs of employees' entrepreneurship, education and tourism will also be included in the scope of provident fund withdrawal;
4. The transparency of provident fund will be improved.
Provident fund is an important property of employees, and employees have the right to know about the use and management of provident fund. However, at present, the transparency of provident fund is not high enough, and employees are not clear about the specific use of provident fund. It is estimated that by 2023, the provident fund management department will strengthen the information disclosure and transparency of the provident fund, so that employees can better understand the use of the provident fund;
5. Provident fund management will be more intelligent.
With the continuous development of science and technology, provident fund management will become more and more intelligent. It is estimated that by 2023, the provident fund management department will launch more intelligent services, such as online provident fund business and self-service inquiry of provident fund accounts, so as to facilitate employees to better manage and use the provident fund.
The following materials need to be prepared to withdraw the provident fund:
1. Original and photocopy of ID card;
2, provident fund withdrawal application form, can be downloaded from the provident fund website and fill in;
3. The original and photocopy of the bank card used to transfer the extracted provident fund into the personal bank account;
4. Salary flow or resignation certificate issued by the company (except for applying for house purchase or building);
5. Purchase contract, house lease contract, renovation contract and other relevant documents (except those applying for purchase, construction or overhaul);
6, housing property certificate, housing sales contract, building or overhaul approval documents and other related documents (except for applying for building, building or overhaul).
To sum up, the above preparation materials may be different due to different regions and specific application projects. Please read the relevant regulations carefully before handling.
Legal basis:
Article 26 of the Regulations on the Management of Housing Provident Fund
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.