Housing provident funds cannot be used for house purchase deposits. Withdrawal of provident funds can only be done after the house purchase contract is signed and the contract is filed. Paying a deposit does not formally sign a contract, so there is still a little time before withdrawing provident funds. distance. Generally, the down payment for buying a house is not very large. You only need to pay it yourself and then withdraw the provident fund after signing the contract.
Under what circumstances can provident fund be withdrawn
1. Withdrawal for house purchase
There are two ways to use provident fund to buy a house, in addition to the more familiar provident fund loan method for house purchase. In addition, you can also withdraw provident funds to buy a house. If you use provident funds to buy a house, you can withdraw provident funds to repay the principal and interest. However, if you use this method to withdraw provident fund, you must pay attention to the issue of time. If you use a commercial loan to buy a house, you can withdraw it directly. If you apply for a provident fund loan, you must wait for a period of time to get the loan and repay it for a period of time before withdrawing to avoid any impact. loan.
2. Rent withdrawal
As the editor gave the example above, if you are not ready to buy a house and are still renting, if you feel pressure to pay the rent, You can also consider withdrawing provident funds to pay rent. According to relevant regulations, the provident fund can not only pay the rent of economic rental housing with rent or government rental subsidies, but also the rent of market rental housing, so that you no longer have to worry about rent.
3. Withdrawal from subsistence allowance families
Withdrawing provident funds does not necessarily have any purpose. It can also be withdrawn in some special circumstances. For example, employees who have paid personal provident funds are They belong to families with difficulties in subsistence allowances, and families with difficulties in subsistence allowances are generally included when someone in the family is sick and needs long-term treatment or the income is very low. Under such conditions, the provident fund can also be withdrawn to subsidize the family, but the amount withdrawn cannot exceed the lower living security range or the special poverty relief range.
What materials are needed to withdraw provident funds
1. Basic information for withdrawing provident funds
When a provident fund depositor withdraws provident funds, he or she must provide his or her valid identity document. When a spouse withdraws, one of the following proofs of relationship is required: Marriage certificate. Household registration book of a married couple living in the same household. Proof of marriage relationship issued by the marriage registration authority. Proof of marriage relationship issued by the police station in the place of registered residence. Notarial certificate issued by an impartial authority.
When children and parents withdraw, they need to provide one of the following relationship proofs: household registration book. Proof of kinship issued by the police station at the place of residence. Only child certificate. Birth certificate. Notarial certificate issued by an impartial authority. If someone else withdraws the money on your behalf, the ID card of the agent and the written authorization of the person who withdraws the money must be provided.
2. To withdraw provident fund when purchasing a commercial house
The following materials are required: If you purchase a pre-sale commercial house, you need to provide: the registered "Commercial House Sales Contract". If the down payment voucher is filed online, an inquiry method must be provided. If the "Commercial Housing Sales Contract" is not filed online, the registration seal of the local real estate management department must be stamped, or a registration certificate must be issued. If you are purchasing an existing house, you need to provide: "Commercial House Sales Contract". House title certificate. Deed tax payment certificate. Purchase invoice.