If the employee's rent exceeds the specified proportion of family wage income, the employee's housing provident fund account can be withdrawn to pay the rent. However, the extracted housing provident fund shall not exceed 70% of the actual rental expenditure. This will greatly ease the pressure on employees to pay rent and relieve their economic pressure.
Workers renting commercial housing, the local housing provident fund management committee according to the local market rent level and rental housing area, determine the amount of rent.
Rent a house with provident fund:
1. After meeting the conditions for renting and using public rental housing, the renter must rent the house first, and then pay taxes to the relevant departments with the rental contract, ID card and copy of himself and the landlord. Finally, with the above documents and tax payment list, go back to work and withdraw your rental provident fund.
2. With the relaxation of the state's housing provident fund policy, under the new regulations, employees only need to pay the housing provident fund for three consecutive months to meet the extraction conditions, and they can confirm themselves without submitting supporting materials.
3. In addition, employees and their spouses also need to provide proof that there is no room at the place of payment, which is generally checked and verified in the real estate file without charge. ?
Extended data
The use of housing accumulation fund
1, house purchase
Provident fund housing is divided into the following two situations:
(1) loan
Provident fund loan is a common way to buy a house, and the interest of provident fund loan is much lower than that of commercial loan, so more people are willing to use provident fund loan to buy a house. The specific amount and interest rate can refer to the local loan policy, or consult the local provident fund management department and the personnel department of the unit.
(2) extraction
If you buy a house with the provident fund, you can withdraw the provident fund to repay the principal and interest. If you don't use the provident fund loan, you can also withdraw the amount from the provident fund loan account as the down payment for buying a house, or you can withdraw the provident fund to repay the principal and interest. In addition, if you don't need a loan in the process of buying a house, you can also withdraw the provident fund at one time.
Step 2 rent a house
If a friend is still renting a house, he can also use the provident fund to pay the rent at this time. The renter can apply for withdrawing the provident fund to pay the rent and reduce his life pressure. Provident fund can not only pay the rent of economic rental housing subsidized by rent or government rent, but also pay the rent of market rental housing.
3. Construction and renovation of houses
Some friends may not need to buy a house in the city, so they can also use the housing provident fund when the house is built. Many people may not know this. You can apply and consult at the housing provident fund offices in various regions.
4. Compensation for major diseases
The provident fund is used to pay medical expenses for major diseases. Now, in addition to medical insurance, provident fund can also be used to pay medical expenses. Therefore, under the dual protection of medical insurance and provident fund, the burden of medical expenses has also been greatly reduced.
5. Extraction and use by low-income families
If all employees of the unit are classified as low-income or difficult assistance, under this condition, provident fund can also be withdrawn to subsidize families, but the amount withdrawn cannot exceed the low-income or difficult assistance scope.
Reference: Baidu Encyclopedia-Provident Fund Extraction