1, rent withdrawal
Although renting a house can also withdraw the provident fund, the proportion of the provident fund withdrawal is relatively lower than the monthly provident fund fee. Generally, the deposit amount of the provident fund in the month of application is multiplied by 65% and the withdrawal month, and then the expenses of the provident fund that can be withdrawn each time are calculated. Moreover, the corresponding rental certificate must be submitted, and the withdrawal amount of the provident fund cannot exceed the rent amount.
2. Purchase and extraction
If it is the same purchase, then the withdrawal amount of the provident fund cannot exceed the total account amount and the total purchase price. If you buy a house in full for the second suite, you can withdraw 60% of the provident fund account. If a family member withdraws the provident fund for the second suite or above, the amount that can be withdrawn can apply for 60% of the balance in the account at that time, and it cannot exceed the total purchase price.
3. Repayment and withdrawal
Loan to buy a house can also be withdrawn from the provident fund, but generally the monthly withdrawal amount of the first suite is based on the actual monthly supply. If the second suite is subsequently withdrawn, it will be withdrawn according to 60% of the deposit payable in the month of application.
Provident fund withdrawal requirements are as follows:
1, used to buy a house. If you want to borrow money to buy a house, you can apply for a provident fund loan. The low interest rate of provident fund loans can save a lot of loan interest for loan users. If you don't apply for a loan, you can withdraw the provident fund at one time to pay the down payment for the house; Users who have applied for commercial loans to purchase houses can withdraw the provident fund to repay the loan principal and interest on a monthly basis;
2, due to the construction, renovation or overhaul of housing, provident fund depositors have to build their own housing, or renovation, overhaul of their own housing needs, you can apply for a one-time withdrawal of housing provident fund, due to pay housing construction, renovation, overhaul housing costs;
3. for renting a house. Some urban provident funds can also be used for renting houses. If the monthly rental expenditure exceeds a certain proportion of the family income of the depositor of the provident fund, then the provident fund can be withdrawn monthly to pay the housing rent;
4, used to treat major diseases. If the family members of the provident fund payer are unfortunately suffering from serious diseases, they can apply for withdrawing the provident fund to pay medical expenses and reduce the family burden;
5. If the payer of the provident fund retires, resigns or goes abroad to settle down, etc. , he can apply for a one-time withdrawal of provident fund. For retirees, one-time withdrawal of provident fund is a considerable pension.
To sum up, because our location is different, the specific circumstances of withdrawing provident fund are different, so the proportion of withdrawing provident fund will be different. I suggest you go to the local provident fund management center for consultation, and then withdraw the provident fund after preparing the materials.
Legal basis:
Article 24 of the Regulations on the Management of Housing Provident Fund
In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(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;
(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 shall be included in the value-added income of the housing provident fund.