First, the process of extracting housing provident fund
1. First, you can apply to the unit to withdraw the employee's housing provident fund. After verification by the unit, you can fill in the Application Form for Housing Provident Fund Extraction (in duplicate) and the Detailed List of Housing Provident Fund Extraction (in duplicate), and affix the official seal and financial seal;
2. The handling personnel or individual employees of the deposit unit should take the original and photocopy of their ID cards, the application for housing provident fund withdrawal, the detailed list of housing provident fund withdrawal and the original and photocopy of relevant certification materials to the provident fund withdrawal;
3. The person in charge or the employee should return the transfer check to the financial department of the unit, and the financial department will pay the employee cash according to the listed amount.
4. If employees are used to repay personal self-occupied housing loans, employees and their spouses can withdraw housing provident fund to repay the loan principal and interest. It can be withdrawn once a year until the loan is settled. The total amount of accumulated withdrawal cannot exceed the sum of loan principal and interest.
Two, the extraction of housing provident fund is divided into different situations, and the amount of extraction is also different. Details are as follows:
1, housing provident fund can be withdrawn once a month in the case of buying a house and using a mortgage, and the total amount of withdrawal shall not exceed the actual housing expenditure.
2. Withdraw the housing accumulation fund in the case of one-time payment for house purchase. Employees and their spouses can withdraw the housing provident fund in full once every quarter and four times a year.
3, self-built, overhaul from the housing, renovation of housing provident fund extraction, the total extraction does not exceed the actual expenditure.
4, rental housing provident fund extraction, employees and their spouses can fully extract a housing provident fund every year, the total amount of extraction should not be higher than the total annual rent.
Extended data:
Personal housing provident fund replacement portfolio loan: firstly, the bank issues commercial housing loans to borrowers (employees who have paid housing provident fund) with bank funds, and then the entrusted bank applies for provident fund loans to the management center on behalf of the borrowers.
The borrower's provident fund loan amount is controlled within its basic provident fund loan amount and does not exceed 70% of the commercial housing loan amount, and its basic provident fund loan period is shorter than the commercial housing loan period by more than 1 year.