Field treatment
first step
Employees go to handle provident fund business and entrust banks to handle bank card-related provident fund accounts.
Second step
Employees apply and provide corresponding extraction application materials.
Third step
The staff accepted and reviewed the extracted information to confirm its correctness.
Fourth step
Transfer the withdrawn funds to the drawer's joint provident fund card or effective bank savings card in real time.
Some guidelines for extraction types ↓
Guide to the withdrawal of provident fund for flexible employees in Chengdu
Extraction time:
When a depositor applies for special or non-special withdrawal, the storage time of the withdrawn funds should reach 12 months or more, except for death withdrawal.
Storage time is calculated according to actual days. For example, the deposited funds recorded on August 6, 20265438 should be withdrawn on or after August 6, 2022.
Extraction conditions:
If the owner-occupied house is purchased, built or the principal and interest of the house purchase loan are repaid, the depositor himself or his spouse shall be the owner of the house;
If the owner-occupied housing is rented, the depositor has no own housing within the administrative area of this Municipality and rents the owner-occupied housing;
Full-age withdrawal, the depositor should be 60 years old for men and 55 years old for women;
Depositors who have settled abroad or in Hong Kong, Macao and Taiwan may apply for settlement abroad.
Extract channels and required information
The depositor mainly downloads the Chengdu Provident Fund mobile APP through Baidu online search, which is online all the time and has zero data.
Specific extraction relies on interconnection or big data to verify the real situation to achieve zero data; If you can't rely on interconnection or big data to verify the real situation, fill in the corresponding application information and make a promise of authenticity to achieve zero information.
Withdrawal limit
There is no limit to the withdrawal amount (excluding rent withdrawal). Depositors can choose their own withdrawal amount, and the withdrawal amount does not exceed the available balance in the account at the time of application.
202 1 The rent withdrawal limit is no more than 1340 yuan per month and no more than 16000 yuan per year. If the rent withdrawal limit changes, Chengdu Provident Fund Center will make corresponding adjustments. When depositors apply for lease withdrawal, the current lease withdrawal limit shall be implemented.
Guide to Withdrawal of Provident Fund Deposited by Units in Chengdu
Treatment conditions
Purchase housing in the administrative area of Chengdu and apply for withdrawal of housing provident fund.
Handling materials
The purchase of affordable housing units housing reform or fund-raising construction:
I. Extraction of certification materials (original):
(a) the housing reform department sealed the purchase contract or affordable housing purchase contract;
(two) the special receipt for the purchase price stamped by the housing reform department;
* Units sell housing reform stock houses to employees to raise funds for the construction of affordable housing, and units should go through the audit procedures for the extraction of housing provident fund for employees.
Second, the identification materials:
(a) workers withdraw their housing provident fund, should provide the original identity card.
(2) If the employee is married, the original marriage certificate or marriage relationship certificate shall be provided (if there is no spouse ID card information in the marriage certificate, the original employee spouse ID card shall also be provided).
(three) entrust others to handle, according to the following information:
1. If the trustee is the employee's spouse, provide the original ID card and marriage certificate of the trustor and trustee;
2. If the trustee is an employee's lineal blood relative, provide the original ID card of the client and the trustee, the original and photocopy of the kinship certificate;
3. When the unit is an employee, it shall present a letter of introduction sealed by the unit (employee's name and ID number, name and ID number of the unit manager, customer number of the housing provident fund unit and the date of issuance of the letter of introduction), the original ID card of the unit manager and the original ID card of the employee;
4. If it is not the above-mentioned entrustment relationship, provide the original ID cards of the trustor and the trustee and the original notarized power of attorney (the power of attorney shall indicate the entrusted matters, the ID card information of both parties and the entrustment period).
(four) the application form for the withdrawal of housing consumption from Chengdu housing provident fund.
(5) Take back the employee's joint housing provident fund card. If there is no joint housing provident fund card, the employee shall provide the depositor's bank savings account passbook (card).
(6) The entrusted employee shall issue the Notice of Chengdu Housing Provident Fund Transfer (not provided by employees who have joined the custody account since 20 14 12 3 1).
(seven) Hong Kong, Macao and Taiwan and foreigners, should provide the original identity documents "Hong Kong and Macao residents travel to and from the mainland", "mainland travel permit for taiwan residents" and "permanent residence permit for foreigners".
Purchase of commercial housing:
I. Extraction of certification materials (original):
(1) The house address shall be provided within the administrative area of Chengdu:
1. Commercial housing sales contract registered by the housing management department;
2. Purchase invoice or receipt.
(two) the address of the house is provided outside the administrative area of Chengdu:
1. If the house address is outside the administrative area of Chengdu and the property right certificate has been obtained, the house ownership certificate (or immovable property right certificate) and the house purchase bill shall be provided.
2. If the address of the house is outside the administrative area of Chengdu, and the property right certificate has not been obtained, the commercial house sales contract and purchase invoice shall be provided.
note:
1. The house address is outside the administrative area of Chengdu and has been mortgaged to the mortgage bank. To apply for a housing mortgage loan, you must also provide a mortgage loan issuance certificate issued by the loan bank.
2. If the house address is outside the administrative area of Chengdu, it is also necessary to provide the original and photocopy of the employee's or spouse's household registration certificate or the work place certificate stamped by the unit.
Second, the identification materials:
(a) workers withdraw their housing provident fund, should provide the original identity card.
(2) If the employee is married, the original marriage certificate or marriage relationship certificate shall be provided (if there is no spouse ID card information in the marriage certificate, the original employee spouse ID card shall also be provided).
(three) entrust others to handle, according to the following information:
1. If the trustee is the employee's spouse, provide the original ID card and marriage certificate of the trustor and trustee;
2. If the trustee is a lineal blood relative of the employee, provide the original ID cards of the client and the trustee, and the original and photocopy of the kinship certificate;
3. When the unit is an employee, it shall present a letter of introduction sealed by the unit (employee's name and ID number, name and ID number of the unit manager, customer number of the housing provident fund unit and the date of issuance of the letter of introduction), the original ID card of the unit manager and the original ID card of the employee;
4. If it is not the above-mentioned entrustment relationship, provide the original ID cards of the trustor and the trustee and the original notarized power of attorney (the power of attorney shall indicate the entrusted matters, the ID card information of both parties and the entrustment period).
(four) the application form for the withdrawal of housing consumption from Chengdu housing provident fund.
(5) Take back the employee's joint housing provident fund card. If there is no joint housing provident fund card, the employee shall provide the depositor's bank savings account passbook (card).
(6) The entrusted employee shall issue the Notice of Chengdu Housing Provident Fund Transfer (not provided by employees who have joined the custody account since 20 14 12 3 1).
(seven) Hong Kong, Macao and Taiwan and foreigners, should provide the original identity documents "Hong Kong and Macao residents travel to and from the mainland", "mainland travel permit for taiwan residents" and "permanent residence permit for foreigners".
Purchase of second-hand house (second-hand house):
I. Extraction of certification materials (original):
(a) the house ownership certificate (or immovable property certificate) after the transfer of the house transaction;
(2) The deed tax payment certificate of house transaction with taxable amount or the value-added tax invoice with total value-added tax or the online signing contract of stock house;
(3) Property right of the house * * * If someone is a spouse, parent or child, proof of kinship should be provided.
note:
1. If the house has a mortgage loan, provide a house mortgage (loan) contract;
2. The house address is outside the administrative area of Chengdu and has been mortgaged to the mortgage bank. To apply for a housing mortgage loan, you must also provide a mortgage loan issuance certificate issued by the loan bank;
3. If the house address is outside the administrative area of Chengdu, it is also necessary to provide the original and photocopy of the employee's or spouse's household registration certificate or the work place certificate stamped by the unit;
Don't entrust others to do it.
Second, the identification materials:
(a) workers withdraw my housing provident fund, should provide my original identity card;
(2) If the employee is married, provide the original marriage certificate or marriage relationship certificate (if there is no spouse ID card information in the marriage certificate, the original employee spouse ID card should also be provided);
(three) the application form for the withdrawal of housing consumption from Chengdu housing provident fund;
(4) Withdraw the employee's joint housing provident fund card, and the employee without joint housing provident fund card shall provide the depositor's bank savings account passbook (card);
(5) The entrusted employee shall issue the Notice of Chengdu Housing Provident Fund Transfer (not provided by employees who have joined the custody account since 20 14 12 3 1).
(six) Hong Kong, Macao and Taiwan and foreigners, should provide identity documents for Hong Kong and Macao residents to travel to and from the mainland, mainland travel permit for taiwan residents and foreigners permanent residence permit.
Demolition and resettlement housing:
I. Extraction of certification materials (original):
(a) compensation and resettlement contract or agreement for house demolition;
(two) the ownership certificate of the demolished house (if the demolished house is private property, provide the original house property certificate or immovable property certificate; Public housing provides public housing use certificate, and rural housing provides homestead use certificate);
(3) Invoice or receipt of the purchase price.
Second, the identification materials:
(a) workers withdraw their housing provident fund, should provide the original identity card.
(2) If the employee is married, the original marriage certificate or marriage relationship certificate shall be provided (if there is no spouse ID card information in the marriage certificate, the original employee spouse ID card shall also be provided).
(three) entrust others to handle, according to the following information:
1. If the trustee is the employee's spouse, provide the original ID card and marriage certificate of the trustor and trustee;
2. If the trustee is a lineal relative of the employee, provide the original ID cards of the client and the trustee, and the original and photocopy of the kinship certificate;
3. When the unit is an employee, it shall present a letter of introduction sealed by the unit (employee's name and ID number, name and ID number of the unit manager, customer number of the housing provident fund unit and the date of issuance of the letter of introduction), the original ID card of the unit manager and the original ID card of the employee;
4. If it is not the above-mentioned entrustment relationship, provide the original ID cards of the trustor and the trustee and the original notarized power of attorney (the power of attorney shall indicate the entrusted matters, the ID card information of both parties and the entrustment period).
(four) the application form for the withdrawal of housing consumption from Chengdu housing provident fund.
(5) Take back the employee's joint housing provident fund card. If there is no joint housing provident fund card, the employee shall provide the depositor's bank savings account passbook (card).
(6) The entrusted employee shall issue the Notice of Chengdu Housing Provident Fund Transfer (not provided by employees who have joined the custody account since 20 14 12 3 1).
(seven) Hong Kong, Macao and Taiwan and foreigners, should provide the original identity documents "Hong Kong and Macao residents travel to and from the mainland", "mainland travel permit for taiwan residents" and "permanent residence permit for foreigners".
Treatment process
first step
Employees go to handle provident fund business and entrust banks to handle bank card-related provident fund accounts.
Second step
Employees apply and provide corresponding extraction application materials.
Third step
The staff accepted and reviewed the extracted information to confirm its correctness.
Fourth step
Transfer the withdrawn funds to the drawer's joint provident fund card or effective bank savings card in real time.
Processing time limit and cost
1. Processing time: the provident fund center will make a decision on approval or disapproval of withdrawal within 3 working days from the date of receiving the employee's application; If it is not allowed to withdraw after examination, it shall inform the reason.
2. Handling fee: no charge.
FREQUENTLY ASKED QUESTIONS
Can I withdraw the housing accumulation fund when I buy shops, garages, office buildings, industrial property houses and "small property houses"?
I can't. The Ministry of Construction's interpretation of the Regulations on the Management of Housing Provident Fund clearly stipulates that the definition of buying a house refers to the purchase of a house by an employee and the ownership of the house purchased. Housing can be commercial housing, affordable housing, private houses and so on. , excluding shops, garages, office buildings, industrial property houses and "small property rights" houses.
What is the "two-choice-one" policy of housing provident fund?
Housing accumulation fund has the characteristics of mutual assistance, compulsion and obligation. Employees who have obtained housing provident fund loans mainly solve their own housing problems through the provident funds of other employees collected by the center. If employees borrow the provident fund and withdraw it to pay for the house purchase, there will soon be no provident fund to lend. Therefore, when employees apply for provident fund loans, they cannot withdraw the provident fund to pay for the house purchase, so as to help more low-and middle-income families solve the housing problem through provident fund loans.
Can I withdraw the provident fund from the self-occupied housing purchased by one-time or commercial loans?
One-time payment or commercial loan to buy self-occupied housing can withdraw provident fund.
Material download
Chengdu housing provident fund housing consumption withdrawal application form
Matters needing attention
(a) workers' families in a natural year to buy, build, rebuild, overhaul occupied housing and repay the principal and interest of housing loans and other housing consumption behavior, only one housing consumption behavior, choose a set of housing to apply for housing provident fund once; Workers' families refer to couples and children under the age of 18.
(2) If an employee has applied for a housing provident fund loan after purchasing the same house, he can no longer withdraw the housing provident fund to pay the down payment at the same time, but he can withdraw the housing provident fund to repay the principal and interest of the housing provident fund loan after the loan repayment 12 months.
(3) Employees who don't own a house and are not the spouse of the owner of the house can't apply for withdrawing the housing provident fund to pay the house purchase price or repay the principal and interest of the house purchase loan.
(four) deposit employee housing consumption, apply for withdrawal of housing provident fund, housing address should be in the employee's own, spouse's domicile or workplace. If the house address is outside the administrative area of Chengdu, it is also necessary to provide the original and photocopy of the employee's or spouse's household registration certificate or the work place certificate stamped by the unit. Workers and their spouses have no housing with their own property rights within the administrative area of Chengdu. Those who purchase commercial housing with their own property rights (including re-traded housing) within the administrative area of Sichuan Province can apply for housing provident fund, which is not restricted by their place of residence and work.
(5) When handling the withdrawal business, the employee who has cancelled the sealed account of the unit does not need to provide the Certificate of Termination of Labor Relations with the Unit, and can cancel the account withdrawal after the employee signs the Receipt of Acceptance of Chengdu Housing Provident Fund Withdrawal.
(six) the employee's personal information is wrong and needs to be corrected before it can be processed.