How much is the withdrawal amount of the provident fund?

The withdrawal amount of the provident fund can be up to 1,5 per month, with three months as the starting standard. It is impossible to withdraw all the money at once, and the rest can only be withdrawn after the next three months. However, if there is no need, I suggest that you don't use the provident fund, because the housing provident fund has a very wide range of uses, especially when you need a loan to buy a house. At this time, if you use the provident fund to borrow money, the interest will be much lower than that of commercial loans. Therefore, when people don't need money urgently, don't think about provident fund, let it be stored as an asset of their own, and it will be of great use when they have the money to buy a house. If you don't plan to buy a house, you can also take out the provident fund by decorating or building a house at home. This money is also very exciting. However, many enterprises now only buy five insurances for employees, but not one gold for employees, so in some cases, try to choose those enterprises that buy housing provident fund for employees.

Withdrawal conditions:

1. If the principal and interest of the loan for self-owned housing are repaid, the employee and spouse, and the * * * borrower and spouse with property rights can withdraw their housing provident fund at the same time. After paying the principal and interest for one year according to the loan contract, you can withdraw the housing provident fund once, and the time interval between the two withdrawals is not less than 12 months. Workers who have handled the monthly entrusted withdrawal business can withdraw the housing provident fund on a monthly basis.

2. The housing provident fund of borrowers, spouses and * * * borrowers and spouses with property rights who have already applied for the housing provident fund loan of this Municipality or the combined housing provident fund loan of this Municipality and commercial banks (hereinafter referred to as the combined loan) can only be used to repay the principal and interest of this Municipality's housing provident fund loan or the combined loan in priority, and the housing provident fund shall not be withdrawn for other non-cancellation reasons before the housing provident fund loan is paid off.

3. If employees who have applied for housing provident fund loans (including housing provident fund loans in portfolio loans) fail to repay the principal and interest within the time limit, they must pay off the outstanding principal and interest before they can apply for withdrawal.

how much can I withdraw from the repayment of the provident fund?

1. mortgage loan: you can withdraw the whole number of the balance in your provident fund account once a year to repay the loan. Provident fund withdrawal requires that the provident fund in the account shall not be withdrawn before handling the provident fund loan. After the provident fund has handled the loan, the provident fund in the account can be withdrawn once a year to repay the loan.

2. One-time loan to buy a house: only within half a year, with the purchase contract. The purchase invoice can be an integer of the balance in your provident fund account. If the balance of your provident fund account is 187 yuan, you can withdraw 18 yuan. It is not allowed to apply for provident fund loans or withdraw provident fund because of decoration.

how many times can the provident fund be withdrawn each year

1. Withdrawal of the provident fund for the purchase of self-occupied housing

Withdrawal amount: ① If you have not applied for a housing loan, it shall not exceed the account balance of one year in the month when the purchase contract is signed.

② If applying for housing loan, it shall be the account balance of the month when the house purchase contract was signed.

③ if the balance of my account exceeds the total actual expenditure, it will be withdrawn according to the actual payment amount.

extraction time: within the limited amount of extraction, it can be extracted multiple times without any time limit.

2. Employee's withdrawal of provident fund for housing construction, renovation and overhaul

Withdrawal amount: no more than the account balance within one year from the month of approval by the government department.

extraction time: within the limited amount of extraction, it can be extracted multiple times without any time limit.

3. Repay the principal and interest of the house purchase loan and withdraw the housing accumulation fund

Withdrawal amount: the balance of the account withdrawn each time shall not exceed the amount of principal and interest paid in the current period. When the loan is settled, the account balance shall be closed as of the month when the loan is settled, and will not be withdrawn after the loan is settled.

extraction time: it can be extracted within the time when the principal and interest have been paid.

Note: If the employee's account balance under the above three withdrawal conditions is less than the withdrawal limit, the spouse, parents and children can apply for withdrawal of their respective provident funds within the limit, and the total withdrawal amount shall not exceed the actual payment amount.

4. Withdrawal of provident fund from leased self-occupied housing

Withdrawal quota: ① For other houses leased, the withdrawal quota shall not exceed 12 months, and the withdrawal quota in Yuhang District will be adjusted from 1,2 yuan/month to 1,5 yuan/month from June 222.

② If renting a public rental house, the account balance of the person and spouse shall be drawn according to the actual rent expenditure.

extraction time: calculated according to the natural year, it is extracted once a year.

Non-housing consumption withdrawal

1. Enjoy the urban minimum living guarantee and withdraw the housing accumulation fund

Withdrawal amount: the principal and interest balance of my housing accumulation fund within the validity period of the assistance certificate.

extraction time: the rescue certificate can be extracted multiple times without any time limit.

Withdraw the housing provident fund after retirement

3. Withdraw the housing provident fund after the employer has terminated the labor relationship and has not been re-employed for five years

4. Withdraw the housing provident fund after being completely or partially incapacitated

5. Withdraw the housing provident fund in other circumstances (withdrawal from non-local household registration)

6. Withdraw the housing provident fund after leaving the country for settlement

7. Withdraw the housing provident fund after death or being declared dead

.

withdrawal time: withdrawal can be made throughout the year, and the principal and interest balance of the provident fund can be settled at one time.

How much provident fund can be withdrawn from mortgage repayment every year

At present, the withdrawal regulation of individual housing provident fund is that if an individual can use housing provident fund to repay the loan due to the purchase or construction of a house, he can withdraw up to 6% of the monthly repayment amount every year during the loan period (excluding the prepayment period), and the monthly withdrawal amount shall not exceed 5 yuan at most.

withdrawal amount of provident fund

Generally, the provident fund can be withdrawn at most once a year. The monthly withdrawal amount of renting house shall not exceed 5% of the deposit amount payable in the month of application, and the monthly withdrawal amount shall not exceed 12 months every year. The withdrawal amount of other housing consumption should pay 3% of the total employee housing provident fund within 12 months before applying for withdrawal. When purchasing a house with property rights or building, rebuilding or overhauling a house with property rights in the city, the withdrawal amount shall not exceed the remaining amount in the account at the time of application and the total purchase price. If the employee and his family have more than two houses in total, the withdrawal amount shall not exceed 6% of the remaining amount in the account at the time of application and shall not exceed the total purchase price. If the mortgage principal and interest of a property house is repaid in this city, and the employee and his/her family have a house, the monthly withdrawal amount shall not exceed the actual repayment amount of the employee last month. If the employee and his/her family have more than two houses in total, the monthly withdrawal amount shall not exceed 6% of the payment due in the application month.

Legal basis; Article 24 of the Regulations on the Management of Housing Provident Fund: Employees may withdraw the storage balance in their housing provident fund accounts under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (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; (five) to repay the principal and interest of the house loan; (six) the 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 12 of the measures for the administration of withdrawal of housing accumulation fund in Shantou city: employees who meet the provisions of item (6) of article 5 of these measures may apply for withdrawal of housing accumulation fund once a year. The employee's rental withdrawal is the part where the rent exceeds 15% of the family wage income. The rent is based on the lease contract registered and confirmed by the housing lease management department, and the family wage income is calculated based on the sum of the total wage income of both employees and spouses.

article 1 of the measures for the administration of withdrawal of housing provident fund in Shantou: employees who meet the provisions of item (8) of article 5 of these measures may apply for withdrawal of housing provident fund once a year, and each withdrawal amount shall not exceed 2 times of the minimum wage standard for employees in the previous year published by the labor department of our city.

Tips

The above answers are only made for the current information combined with my understanding of the law. Please refer to them carefully!

if you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

can't the withdrawal amount of provident fund exceed the repayment amount? Is there any restriction

that the withdrawal amount of the provident fund cannot exceed the repayment amount?

no. The total withdrawal amount of all the people in the same house cannot exceed the actual principal and interest paid for the house purchase. If the house purchase is paid directly by themselves, the total withdrawal amount cannot exceed the actual payment for the house purchase.

In addition, there are the following restrictions on the withdrawal amount of provident fund:

1. Withdrawal of self-occupied housing purchased by mortgage (not paying back the loan on a monthly basis): the total withdrawal amount of all the owners of the same house cannot exceed the actual principal and interest paid for the house purchase, and the depositor can withdraw it once every six months.

2. Withdrawal of non-mortgage-purchased self-occupied housing: the total withdrawal amount cannot exceed the actual purchase price, and it can be withdrawn once every six months.

3. Withdrawal of owner-occupied housing purchased by mortgage (monthly repayment): If the part of provident fund loan is repaid on a monthly basis, the borrower's housing provident fund account will automatically repay the part of provident fund loan every month, and when the account balance is less than the monthly repayment amount of provident fund loan, the system will automatically deduct the account balance in full on the agreed repayment date; If there is still a part of the commercial loan to repay the loan on a monthly basis, the balance of the provident fund account will be automatically transferred to the bank account of the extractor every month after the provident fund loan is repaid, and the extractor will repay the commercial loan on its own. During the monthly loan repayment period, each drawee can also apply for withdrawing the account balance once, and the withdrawal amount shall not exceed the account balance when the drawee applied for the loan and the actual down payment.

4 lease withdrawal: if there is a lease contract for filing, the monthly rent exceeds 4% of the average monthly salary of employees in this city in the previous year, and if the construction area of the rented house exceeds 9 square meters, the excess rent will not be included in the withdrawal amount. The first withdrawal amount shall not exceed the rent from the month of lease filing to the month of application for withdrawal. If there is no lease contract or the lease contract is not registered, the withdrawal amount is 6 yuan per person per month.

5 extraction of self-occupied housing for construction, renovation and overhaul: the total amount of extraction by all users per household shall not exceed the cost of construction, renovation and overhaul of self-occupied housing.

6 account cancellation withdrawal can be made in full at one time.

that's enough for the introduction of the withdrawal amount of loan repayment provident fund.