Relevant departments review the application form for the extraction of individual housing sedan chair, and remit it to individual account after passing it; On the fourth working day after withdrawing the provident fund, you can go to the bank counter or ATM machine to check whether the extracted housing provident fund money has arrived. If it hasn't arrived yet, you can call for advice.
1. The conditions for withdrawing the provident fund are as follows:
1, loan to buy a house: provident fund can be used to buy a house, and the interest rate of provident fund loans is relatively low, but the use of provident fund loans requires certain conditions. Under normal circumstances, employees who have paid the housing provident fund in full can apply for housing provident fund loans when purchasing, building, renovating or overhauling their own houses;
2. Repayment of loans: the provident fund can repay housing loans, including commercial housing loans, provident fund loans and portfolio loans;
3. Paying medical expenses for major diseases: the provident fund can also be used to pay medical expenses for major diseases;
4. Withdrawal and use of low-income families: people who are classified as low-income families or have difficulties in helping can also apply for withdrawal of provident fund;
5. Rent withdrawal: Employees who have paid in full for three consecutive months and have no own houses in the deposit city and rent houses can withdraw the housing provident fund to pay the rent, but the amount is limited. For example, in Beijing, they can withdraw up to 4,500 yuan a quarter.
Second, what is the provident fund?
1. The monetization form of housing distribution generally refers to housing accumulation fund;
2. Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
3. From July, 2065438 1 day, all housing provident fund management centers across the country will handle the transfer and connection of housing provident fund in different places through the platform according to the requirements issued by the Ministry of Housing and Urban-Rural Development. On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on;
In 4.202 1 year, various businesses of the national housing provident fund operated smoothly, with 2.915.687 billion yuan deposited in the housing provident fund and 612130,000 yuan withdrawn by ten thousand people.
To sum up, the interest of housing provident fund will be converted into the principal of housing provident fund, and the interest will be incorporated into the principal interest, and no interest tax will be levied on individual housing provident fund.
Legal basis:
Article 20 of the Regulations on the Management of Housing Provident Fund
The unit shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.
Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.
Article 21
The housing provident fund shall bear interest at the interest rate stipulated by the state from the date it is deposited in the employee housing provident fund account.