First, Changsha provident fund extraction conditions
201910/8 According to the recently released policy of optimizing housing provident fund loans and withdrawals, users can only withdraw Changsha provident fund, otherwise they cannot withdraw it.
1. Buy self-occupied housing
(1) Time limit for withdrawal: if you purchase a newly-built commercial house, you should apply for withdrawal within 24 months from the date when the house is generally distributed; Apply for the extraction of second-hand houses within 24 months from the date of issuing the deed tax payment certificate, and the same employee can only extract the same house once.
(2) Withdrawal amount: The total withdrawal amount of the same property owner shall not exceed the down payment amount of the house purchase, and the total withdrawal amount of one-time payment shall not exceed the total purchase price, and the withdrawal amount shall be 100 yuan of the amount in the housing provident fund account. Enjoy the monetary subsidies for affordable housing, the total amount of the same set of housing property owners shall not exceed the difference between the paid purchase price and the monetary subsidies.
Analysis: If employees and others (non-husband-wife relationship) * * * apply for the withdrawal of self-occupied housing, the withdrawal amount shall not exceed the down payment amount or the proportion of the total housing price purchased by employees. * * * The proportion of property rights shall be subject to the contents recorded in the certificate of immovable property rights or the certificate of house ownership and the contents agreed in the house purchase contract. If there is no agreement or the agreement is not clear, it shall be determined by * * * and * *.
2, new construction, renovation, overhaul since the housing
(1) Time limit for extraction: for self-built or renovated self-owned houses, an application for extraction is made within 24 months from the date when the planning permit for construction projects is issued or the use of villagers' homestead is approved; for overhauled self-owned houses, an application for extraction is made within 24 months from the date when the appraisal certificate of C and D dangerous houses is issued, and the same house can only be extracted once by the same employee.
(2) Withdrawal amount: The total withdrawal amount of the owner of the same property shall not exceed the total amount actually paid for the construction, renovation and overhaul of the house, and the withdrawal amount shall be 100 yuan of the amount in the housing provident fund account.
3. Repay the principal and interest of the housing loan.
(1) Withdrawal time limit: if the employee's family repays the principal and interest of the self-occupied mortgage loan, they can apply for withdrawal only after 12 months of normal repayment, and then they can apply for withdrawal once a year, and the interval between each withdrawal exceeds 12 months (the early withdrawal of this suite housing loan is not subject to this restriction). If the loan is settled, the employee shall apply for withdrawal within 12 months from the date of settlement. Workers' families can only use the repayment amount of the same house as the withdrawal amount at a time. Workers' families have both housing provident fund loans and commercial bank loans, and can only choose housing provident fund loans for extraction. Workers' families who have applied for housing provident fund loans to the management center may apply for repayment once a year or apply for monthly hedging repayment of housing provident fund.
(2) Withdrawal amount: The total amount of each withdrawal of the same property owner shall not exceed the repayment principal and interest amount from the last withdrawal date to the current withdrawal date (including partial prepayment, excluding partial hedging repayment), and shall not exceed the repayment amount in the last 24 months. In addition, except that the amount used to repay the housing loan has been withdrawn, allocated or hedged in other housing provident fund management centers, the withdrawal amount is 100 yuan of the amount in the housing provident fund account.
Workers apply for withdrawal of housing provident fund to repay the principal and interest of mortgage loans with * * * property rights (husband and wife * * *), and if the borrower is one of the property rights holders, the withdrawal amount is the total principal and interest repayment; If there is more than one borrower who owns the house, the withdrawal amount of a single borrower shall be the proportion of the total repayment of principal and interest by employees to the loan amount.
Analysis: If an employee applies for withdrawal with a housing provident fund portfolio loan, the withdrawal amount shall be calculated according to the sum of the housing provident fund and the principal and interest repaid by the commercial bank, excluding the amount that has been withdrawn, allocated or hedged in other housing provident fund management centers to repay the housing loan.
4. Houseless households pay rent
(1) Time limit for withdrawal: Workers' families who do not own property houses within the administrative area of this Municipality can apply for withdrawal 1 time every year, and the interval between each withdrawal must be at least 12 months.
(2) Withdrawal amount: the employee's withdrawal amount at one time shall not exceed 50% of the actual remittance amount in the past 65,438+02 months, and the amount other than the remittance amount caused by account consolidation, transfer, overdue payment and interest settlement in the past 65,438+02 months shall not be included in the withdrawal amount.
5. Terminate or terminate the labor relationship with the unit.
(2) Time limit for withdrawal: If the employee housing provident fund account has been sealed for more than 6 months or the withdrawal of housing provident fund has been suspended for more than 24 months and the account has been sealed, you can apply for withdrawal.
(2) Withdrawal quota: You can withdraw all the storage balance in the housing provident fund account and cancel the employee's personal account at the same time.
Step 6 retire
(1) Withdrawal time limit: employees can apply for withdrawal after retirement.
(2) Withdrawal quota: You can withdraw all the storage balance in the housing provident fund account and cancel the employee's personal account at the same time.
7. Enjoy living security
(1) Time limit for withdrawal: If employees or their spouses are included in the living security scope of this Municipality and are receiving living security, they can apply for withdrawal of 1 time every six months during their inclusion in the living security, and the interval between each withdrawal must be more than six months.
(2) Withdrawal amount: Withdraw the storage balance in the housing provident fund account, and the withdrawal amount is 100 yuan of the amount in the housing provident fund account.
8. Leave the country and settle down
(1) Withdrawal time limit: employees who have cancelled their domestic household registration or settled abroad can apply for withdrawal.
(2) Withdrawal quota: You can withdraw all the storage balance in the housing provident fund account and cancel the employee's personal account at the same time.
9. The employee dies or is declared dead.
(1) Time limit for withdrawal: after the employee dies or is declared dead, his successor or legatee can apply for withdrawal.
(2) Withdrawal quota: You can withdraw all the storage balance in the housing provident fund account and cancel the employee's personal account at the same time.
10, major diseases or major disasters cause special difficulties in family life.
(1) Extraction time limit: employees' families or their children and parents can apply for extraction 1 time every year during the treatment of major diseases, and the interval between each extraction must be at least 12 months; Workers' families, their children and their parents suffered serious damage to their basic housing due to major disasters, and they can apply for extraction within 12 months from the date of major disasters, and the number of times of extraction is limited to 1 time.
(2) Withdrawal amount: the total amount of each withdrawal for major diseases shall not exceed 12 months, and the withdrawal amount shall be 100 yuan of the amount in the housing provident fund account; The total amount of major disaster withdrawal does not exceed the personal burden of major disaster losses, and the withdrawal amount is 100 yuan of the amount of housing provident fund account.
Second, Changsha provident fund extraction location
The withdrawal place of Changsha provident fund and the working hours of the management department are legal working days:
Summer (July1-September 30th): 9: 00 am-12: 00 pm13: 30-17: 30 pm;
Winter (65438+1October 1- June 30th of the following year): 9: 00 am-65438+02: 00 pm-65438+03: 00 pm.
Furong District Management Department 1
: 4th Floor, Changsha Second-hand Housing Market, Wujiajing 1, Cai E Middle Road.
2. Tianxin District Management Department
: Floor 4, Bolin Kuoyu, No.399 Xinyao North Road, Tianxin District
3. Yuelu District Management Department
: North Hall, 2nd floor, Municipal Affairs Service Center, No.20 Jinxing Avenue.
4. Kaifu District Management Office
: 3rd floor, Futian Xingye Comprehensive Building, No.377 Jinma Road, Kaifu District (opposite to Kaifu District People's Court)
5. Yuhua District Management Office
: Zhang Xiang East Road 189, Yuhua District, Changfang Fenghuang Jiayuan Comprehensive Building
6. Wangcheng District Management Office
: 2nd floor, Wangcheng District Government Affairs Center
7. Changsha County Management Department
: No.288 Jinmao Road, Changsha County
8. Liuyang City Management Department
: No.0/0, Guizhai East Road, Liuyang City
9. Liuyang City Management Department Citizen Home Network
: No.8 Baisha East Road, Liuyang City
10, outlet of management department of Liuyang Economic Development Zone
: Bank of Changsha Liuyang Economic Development Zone Sub-branch, intersection of Jiankang Avenue and Kangning Road in Liuyang Economic Development Zone.
1 1, Ningxiang County Management Department
: Floor 1, Citizen's Home Service Hall, Huaming North Road, Ningxiang County
12, Railway Sub-center
: Floor 2, Jintai Donghuan International, No.1 Section of East Second Ring Road, Furong District, Changsha1061-1
13, Huaihua Management Department of Railway Sub-center
: No.0/53, Ruifeng Road, Huaihua City.
Extract housing provident fund information
Taking the extraction of owner-occupied housing as an example, the relevant materials for extracting provident fund are as follows:
1. Original and photocopy of my ID card:
2, the purchase of commercial housing to provide the original and copy of the purchase contract and the payment or collection receipt registered for the record; Or the original and photocopy of the house property right certificate;
3. The original and photocopy of the second-hand house sales agreement and transaction deed tax issued by the local (Changsha) real estate transaction management office;
4, the unit built affordable housing, provide the city housing reform office affordable housing subscription certificate (book), the original and copy of the unit purchase contract and payment or receipt;
5. If the extractor is a family member, the original and photocopy of the marriage certificate and household registration book shall be provided.
Third, Changsha provident fund extraction
The employee housing provident fund account can be sealed for more than 6 months or the housing provident fund has been suspended for more than 24 months and the account has been sealed, so you can apply for resignation and withdrawal. You can withdraw all the storage balance in the housing provident fund account and cancel the employee's personal account at the same time. Resignation can be handled at the counter, or through online channels such as personal version of the Internet Hall, mobile APP and WeChat.
The materials required for employees to handle resignation withdrawal are:
① the applicant's ID card
② Withdraw any valid debit card from CCB, BOCOM, Changsha Bank, ICBC and ABC.
(3) Employees who need to seal their accounts two years after the provident fund is suspended shall submit an Application for Seal of Personal Accounts of Housing Provident Fund.
The above is about the extraction conditions and location of Changsha provident fund. I hope I can help you!