How long can I withdraw the balance after the provident fund loan is processed?
1, repayment of mortgage principal and interest. After paying off the principal and interest of mortgage for one year, users can apply for withdrawing the balance of provident fund for repayment. They can apply for withdrawal once a year, and the interval between each application is more than one year. If these conditions are not met, the extraction cannot succeed.
2. Rent a house. Users and their spouses who do not have their own houses in the place where the provident fund is paid may apply for withdrawing the provident fund to pay the rent. The specific extraction rules shall be subject to the provisions of the local provident fund center.
3, purchase, construction, renovation, overhaul occupied housing. To buy a self-occupied house, you need to apply for withdrawal within 24 months from the date of issuing the deed tax payment certificate, and the withdrawal amount cannot exceed the actual purchase expenditure, such as down payment or full payment. To apply for the construction, renovation and overhaul of owner-occupied housing, the applicant shall apply for extraction within 24 hours from the date of issuance of the relevant permit or visa letter, and the same suite of the same employee can only be extracted once, and the total amount of extraction shall not exceed the total cost actually paid.
4. Cancel the account. Like to go abroad to settle down; Resignation of employees in different places; Completely lost the ability to work and terminated the labor relationship with the original unit; Retirement (vacation); When the account moves out of the local area, the balance of the provident fund account can be fully withdrawn by providing corresponding certificates, and the provident fund account needs to be cancelled. It should be noted that employees in different places need to wait for the provident fund to be sealed for 6 months before they can withdraw it. There is no time limit for other cases.
What materials are needed to withdraw the balance of provident fund loans?
The materials needed to repay the provident fund loan include the Application Form for Housing Provident Fund Withdrawal, the original and photocopy of the house ownership certificate or immovable property certificate, the original and photocopy of the loan contract, the original and photocopy of the purchase invoice, the original and photocopy of the applicant's ID card and the photocopy of the applicant's bank card. The use of commercial loans or portfolio loans to buy a house, submit the loan information issued by the loan department of the handling bank; If you purchase a house in a different place to repay the loan principal and interest, submit the loan repayment record issued by the bank; If the house ownership certificate or immovable property certificate belongs to only one spouse, the original and photocopy of the marriage certificate shall be submitted at the time of extraction.
The above are the materials that need to be prepared for the withdrawal of the balance of provident fund loans, and I hope it will be helpful to everyone.