Provident fund mainly refers to housing provident fund, which refers to long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
I believe that our office workers are familiar with provident fund. In fact, this is equivalent to our savings for buying a house in the future.
1. What conditions can I withdraw the provident fund?
Under what circumstances can we withdraw all the provident funds we have stored?
You can apply for withdrawal of provident fund under the following circumstances, namely:
1, purchase, build, renovate and overhaul owner-occupied housing;
2. Persons who have reached the national legal retirement age or have gone through retirement procedures;
3, the loss of labor and termination of labor relations with the unit;
4. Leave the country to settle down;
5. If an employee dies at work, it shall be collected by the heir or legatee;
6. The rent of the self-occupied house exceeds15% of the monthly salary of the family;
7, are enjoying the minimum living guarantee for urban residents;
8. I or my spouse and their immediate family members have difficulties in normal family life due to serious illness.
Second, how to withdraw the provident fund
Then, when we need to use the provident fund and our own conditions meet the conditions for withdrawing the provident fund, how should we withdraw the provident fund?
1, employees need to apply for the extraction certificate with the Housing Provident Fund Extraction Schedule;
2. After verification by the unit, issue a certificate of extraction;
3. Employees bring identification certificates, extraction certificates and other materials to the housing provident fund management center to apply; (If I or my spouse can't handle the withdrawal due to physical condition, circumstances and other reasons, I can withdraw with the power of attorney signed by me. )
4. The management center shall make a decision on whether to approve the withdrawal within three days after acceptance.
I hope the above content can help you. If in doubt, please consult a professional lawyer.
Legal basis:
Article 24 of the Regulations on the Management of Housing Provident Fund
Workers in any of the following circumstances, you can extract the balance of storage in the employee housing provident fund account:
Purchase, construction, renovation and overhaul of owner-occupied housing;
2 retired;
(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;
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 will be included in the value-added income of the housing provident fund.
Article 25
If the employee withdraws the storage balance in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or not to withdraw, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.