1. Extraction conditions: The employee newly buys a set of self-owned housing for self-occupation and has not applied for a house purchase loan, or has applied for a house purchase loan within one year.
2. Extractable persons: buyers and their spouses, owners and their spouses.
Three. Audit materials to be provided:
1. My valid ID card, certificate of unit extraction, house purchase contract registered and filed by the real estate management department, and payment invoice.
2, the unit to provide the original certificate of extraction, others need to provide the original and copy.
3. When withdrawing the spouse's housing provident fund, the original and photocopy of the spouse's ID card, the original and photocopy of the marriage certificate and the original certificate of the spouse's unit should be provided.
4. Withdrawal amount: no more than the total house price, but if the house has a housing provident fund loan, the withdrawal amount is: total house price _ housing provident fund loan amount.
Verb (abbreviation of verb) withdrawal method: transfer withdrawal, that is, transfer to the drawer's personal savings account opened in the bank.
6. Number of withdrawals: one withdrawal can be made within one year from the date of purchase, and the withdrawal time for one year from the time when the purchase contract is registered and filed.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(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.