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What are the procedures for withdrawing housing provident fund?
What are the procedures for withdrawing provident fund?

1, marriage certificate and photocopy, not required if the manager is not married.

2. Identification materials. Married people need to provide ID cards and photocopies of both husband and wife, both of which must be included. It should be noted that this is not only for married people, but also for unmarried singles.

3. Need to provide housing property certificate and its copy. This product is aimed at people who have houses. If they don't own a house, but rent a house to live in, they need to provide a copy of the property ownership certificate of the rented house.

4. divorce and retirement certificates. This article is written for people who have retired or have retired. Such people need to show the divorce and retirement certificates issued by the company to the relevant departments in order to withdraw the provident fund.

5. Bring relevant subsistence allowances. This article is for low-income people with difficulties in life, but it is important to bring a series of copies of ID cards and household registration books.

6. Application Form for Withdrawal of Housing Provident Fund. This information needs to be extracted from the provident fund center.

The specific procedures are as follows:

Step 1: Apply and submit information.

1, I'll handle it.

Bring personal ID card, provident fund deposit certificate and relevant proof materials for the purpose of withdrawal, and choose any management department and entrusted bank agency to handle it.

2, the unit manager to deal with

The unit manager brings his/her ID card, the personal authorization letter and commitment letter filled out by the applicant to apply for the withdrawal of housing provident fund, and relevant certification materials for the purpose of withdrawal, and chooses any management department and the entrusted bank agent to apply.

3. entrust others to handle it

The client carries the ID cards, personal power of attorney and relevant certification materials of the client and the client, and chooses any management department and the agent of the entrusted bank to apply for the purpose of extraction.

Step 2: Management Center Audit

After accepting the application, the local housing provident fund management center will review the information, then make a decision on whether to approve the withdrawal and notify the customer.

Step 3: Allocate funds

If the withdrawal is approved, the local housing provident fund management center will release the withdrawal money to the designated bank card within three working days (customers can check whether the housing provident fund money they applied for has arrived on the fourth working day, and if not, they can call the staff of the housing provident fund management center at telephone number 12329).

What should I pay attention to when buying a house with provident fund:

1. Provident fund cannot be directly used as down payment for house purchase. Many people think that provident fund can be used as a down payment for buying a house, but this is not the case. Generally speaking, the provident fund is used first and then withdrawn.

2. In other words, if you want to buy a house with a provident fund loan, you must pay a down payment first, and then take your ID card, household registration book and other supporting materials to the local housing provident fund management center to withdraw the balance of the provident fund. The total withdrawal of the provident fund cannot exceed the total house payment.

3. The total withdrawal from the provident fund cannot exceed the total house payment. Even if you have 500 thousand in your provident fund account, as long as the amount of the house you buy is less than 500 thousand, you can't withdraw it in full. After clearing the provident fund loan, you can use the provident fund to buy a house.

4. If you have applied for a provident fund loan, there will be corresponding records in the system of the provident fund center. As long as your loan is not paid off, you or your spouse can't apply for a provident fund loan again. However, if the previous loan has been settled, you can apply for a provident fund loan to buy a house again, which is not restricted by the second suite policy.

When some cities withdraw the provident fund, they submit the materials on the spot and receive them immediately after completing the formalities. But in most cases, it takes about 3 to 5 working days to withdraw the provident fund before it can be transferred to a personal account. Of course, the time varies from region to region.

legal ground

"Regulations on the Management of Housing Provident Fund" Article 25 The employee's withdrawal of the storage balance in the housing provident fund account shall be verified by the unit to which he belongs, and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for 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 disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.