I. Understanding the conditions for withdrawal
In 224, the withdrawal of housing accumulation fund usually needs to meet one of the following conditions: purchase, construction, renovation and overhaul of owner-occupied housing; Repay the principal and interest of the house purchase loan; Renting a house for self-occupation and the rent exceeds a certain proportion of the family wage income; Retired; Leaving the country to settle down; Completely lose the ability to work and terminate the labor relationship with the unit; If an employee dies or is declared dead, his successor and legatee may withdraw the storage balance in the employee housing provident fund account; Enjoy the urban minimum living guarantee; Workers and their family members have serious difficulties in family life due to major diseases; Termination of labor relations with the unit for more than two years without re-employment, and male employees are over 5 years old and female employees are over 45 years old; Non-registered employees leave the city and terminate their labor relations with their units; Transferred from the city or settled abroad; The employee is sentenced to death, life imprisonment or fixed-term imprisonment during his/her service and reaches the statutory retirement age of the state at the expiration of his/her term; Workers' housing provident fund has not been re-employed after being transferred to sealed households for two years, and has reached the national statutory retirement age; Workers go to work outside the administrative area of this Municipality and establish and deposit housing provident fund locally.
ii. materials to be extracted
according to different extraction reasons, the required materials are also different. Generally speaking, the following materials need to be prepared: identity certificate, housing provident fund joint card or housing provident fund withdrawal certificate, house purchase contract or agreement, loan contract, rent invoice, retirement certificate or relevant certificate issued by the labor department, exit and settlement certificate, disability appraisal certificate, termination of labor relations certificate, subsistence allowance certificate, medical certificate, etc.
III. Submit the withdrawal application
After preparing the required materials, you need to apply to your unit or provident fund management department. Fill in the application form for housing provident fund withdrawal, and attach relevant supporting materials. After submitting the application, wait for the provident fund management department to review.
iv. review and release
the provident fund management department reviews the submitted application materials to verify the identity of the applicant, the reasons for withdrawal and the authenticity and completeness of relevant certification materials. After approval, the provident fund will be paid directly to the bank account designated by the applicant.
To sum up:
In p>224, the withdrawal of housing accumulation fund must meet certain conditions and operate according to the prescribed procedures. Applicants need to understand the extraction conditions, prepare relevant materials, submit applications and wait for review and issuance. In the process of withdrawal, it is necessary to provide true and complete certification materials and abide by relevant regulations to ensure the rational use and effective management of the provident fund.
Legal basis:
Article 24 of the Regulations on the Administration of Housing Provident Fund
stipulates that:
Employees may withdraw the balance stored in their housing provident fund accounts under any of the following circumstances:
(1) those who purchase, build, renovate or overhaul their own houses;
(2) retired;
(3) completely losing the ability to work and terminating the labor relationship with the unit;
(4) leaving the country to settle down;
(5) repaying the principal and interest of the house purchase loan;
(6) the rent exceeds the prescribed proportion of family wage income.
Article 25 of the Regulations on the Management of Housing Provident Fund
stipulates:
If an employee withdraws the storage balance in the housing provident fund account, the unit where he works shall verify it and issue a certificate of withdrawal. Employees shall apply to the housing provident fund management center for the 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 formalities.