1. Customer consultation and demand confirmation
The provident fund agency will first accept the customer's consultation online or offline. In the consultation process, the intermediary will ask the customer's personal situation and the specific needs of provident fund withdrawal in detail, such as buying a house, repaying a mortgage, renting a house, etc. At the same time, the intermediary will also explain to the customer the relevant policies and conditions for withdrawing the provident fund to ensure that the customer understands and can meet the withdrawal requirements.
ii. data collection and review
after confirming the customer's demand, the intermediary will guide the customer to prepare relevant supporting materials, such as ID card, proof of provident fund deposit, house purchase contract or rental agreement, etc. The intermediary will conduct a preliminary review of the collected information to ensure the authenticity and integrity of the information. For materials that do not meet the requirements, the intermediary will promptly notify the customer to supplement or correct them.
iii. agency application and follow-up
after the materials are prepared, the intermediary will submit the withdrawal application to the provident fund management center instead of the customer. During the application process, the intermediary will keep close communication with customers and give timely feedback on the application progress and possible problems. If there is a need to supplement materials or modify information during the application process, the intermediary will also inform the customer in time to deal with it accordingly.
iv. payment and settlement of withdrawal funds
once the application for withdrawal of provident fund is approved, the provident fund management center will release the funds to the bank account designated by the customer. The intermediary will assist the customer to confirm the payment arrival and settle the account. In this process, the intermediary may charge a certain service fee, and the specific amount and payment method of the fee will be clearly agreed before the cooperation between the two parties.
V. After-sales service and consultation
After the extraction is completed, the intermediary will also provide some after-sales services, such as answering customers' questions in the process of using the provident fund and providing interpretation of relevant policies. This helps to ensure that customers can fully and reasonably use the extracted provident fund.
To sum up:
The provident fund agency helps customers to withdraw the provident fund efficiently and conveniently by providing a series of processes such as professional consultation, data review, agency application, payment and after-sales service. However, when choosing a provident fund agency, customers need to pay attention to choosing a formal and qualified institution and read the service contract carefully to ensure their rights and interests are protected.
Legal basis:
Article 24 of the Regulations on the Administration of Housing Provident Fund
stipulates that:
Employees may withdraw the balance stored in their housing provident fund accounts under any of the following circumstances:
(1) those who purchase, build, renovate or overhaul their own houses;
(2) retired;
(3) completely losing the ability to work and terminating the labor relationship with the unit;
(4) leaving the country to settle down;
(5) repaying the principal and interest of the house purchase loan;
(6) the rent exceeds the prescribed proportion of family wage income.
Article 25 of the Regulations on the Management of Housing Provident Fund
stipulates:
If an employee withdraws the storage balance in the housing provident fund account, the unit where he works shall verify it and issue a certificate of withdrawal. Employees shall apply to the housing provident fund management center for the 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 not to withdraw, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment formalities.