1, Chengdu Provident Fund APP online channel for withdrawal;
2. Offline processing:
(1) Individual application:
Application;
Fill in the "Approval Form for the Extraction of Housing Provident Fund" and the "Certificate for the Deposit of Housing Provident Fund";
Provide the originals of relevant certification materials, and provide copies for the record.
② unit audit
Examining the authenticity, legality and completeness of relevant certification materials provided by individuals;
Sign the opinion and affix the official seal on the Approval Form for the Extraction of Housing Provident Fund.
(3) the housing provident fund management institutions for approval:
Check the relevant certification materials provided;
Approved withdrawal amount;
Collect archive materials;
In the "housing provident fund extraction approval form" and "housing provident fund extraction certificate" signed the examination and approval opinions, and stamped with the "special seal for housing provident fund extraction approval".
4. Go through the procedures for withdrawing shares.
Housing provident fund withdrawal method: transfer in the same city, transfer to the account of the employee's unit, and transfer to the transferred provident fund center by telegraphic transfer or remittance in different places;
Personal withdrawal for repayment of loan principal and interest, the housing provident fund management institution will transfer the cheque issued by the loan bank directly into the special account opened for the borrower for repayment of loan principal and interest, which can be withdrawn once a year. In other cases, the housing provident fund management institution can transfer the check to the account of the employee's unit, and then the unit will withdraw cash and send it to the employee.
To sum up, employees can also sign a monthly withdrawal agreement with the center to automatically withdraw the account balance every month to repay the principal and interest of the owner-occupied housing loan.
Legal basis:
Article 13 of the Regulations on the Management of Housing Provident Fund
The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.
The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.
The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.
Article 24
In any of the following circumstances, employees can withdraw the storage balance 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.