1. Purchase, build, renovate and overhaul owner-occupied housing. You must pay a down payment before you can receive the provident fund in your account and the balance of your spouse's provident fund account. The required documents include official down payment invoice, house purchase contract, provident fund card, marriage certificate, ID card, etc. Generally, each account must have a balance of 1 1,000 yuan, which cannot be withdrawn completely;
2. The foreign household registration leaves the city where the provident fund account is opened. You can bring relevant materials to the provident fund management center to apply for cancellation and withdraw the provident fund at one time;
3, retired or retired personnel can all be extracted. As long as you provide the original and photocopy of relevant certificates or retirement certificates, you can handle it. This can be used as a large pension;
4. Rescue of malignant diseases. Need to provide disease diagnosis certificate, hospitalization medical record, expense list and medical reimbursement invoice. The withdrawal amount cannot exceed the self-funded amount. Don't even think about having a mortgage;
5. Death certificate. It is not good to have a mortgage if you have a death certificate or cremation certificate, a certificate of heir relationship and other materials.
Provident fund loan process:
1. preliminary examination: the housing provident fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation;
2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated;
3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Qualified, the center issued the "housing provident fund management center entrusted loan investigation notice";
4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution;
5. Sign a loan contract;
6, housing fund management center and the entrusted bank loan agreement;
7. The borrower directly submits a loan application to the housing fund management center, and the entrusted industry can summarize the borrower's application according to the needs and submit it to the housing fund management center for approval;
8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.
To sum up, employees apply to the Provident Fund Center with the original relevant materials, and the Provident Fund Center will review the application within 3 working days from the date of accepting the application, and make a decision on whether to approve or disapprove the withdrawal. If the withdrawal is approved after examination, the provident fund center will transfer the withdrawal funds into my bank account provided by the withdrawal applicant; If it is not allowed to withdraw after examination, it shall inform the reason.
Legal basis:
Article 24 of the Regulations on the Management of Housing Provident Fund
In any of the following circumstances, the employee 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.