Kunshan provident fund housing loan policy employees and their units have paid the housing provident fund in full for more than 6 months (inclusive). Employees with full capacity for civil conduct can apply for personal housing provident fund loans when purchasing, building or overhauling their own houses. If the depositor purchases a house outside the deposit place, he may apply for a personal housing loan from the deposit place housing provident fund management center in accordance with the housing provident fund personal housing loan policy. When employees apply for loans from different places, they should first meet the conditions of Suzhou housing provident fund personal housing loans; Second, it is necessary to meet the requirements that employees' unused housing provident fund personal housing loans or the first housing provident fund personal housing loans have been settled. 1. Housing accumulation fund refers to the long-term housing accumulation fund paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and other institutions. -Active employees. The housing accumulation fund paid by enterprises and institutions does not belong to the total wages, but belongs to the enterprise cost expenditure. According to the Notice of People's Republic of China (PRC) State Taxation Administration of The People's Republic of China on Deduction of Wages, Salaries and Employee Welfare Expenses (Guoshuihan [20093]), the total wages and salaries mentioned in Articles 40, 41 and 42 of the Regulations are the implementation of the Enterprise Income Tax Law of People's Republic of China (PRC), which refers to the wages actually paid by enterprises according to Article 1 of Document No.3 of Guoshuihan [2009]. Social insurance premiums and housing accumulation funds such as welfare, employee education funds, trade union funds, old-age insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance shall be borne by enterprises. 2 provident fund loans refer to loans paid by employees to housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans in accordance with the relevant provisions of provident fund loans. 20 12 Some cities relaxed the conditions of provident fund loans. From June, 2065438 to Kloc-0, the upper limit of housing provident fund loans in nine counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan. 20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, and canceling the expenses of housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory system guarantee to reduce the burden on loan practitioners. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months). 2065438+On August 5, 2007, the Ministry of Housing and Urban-Rural Development jointly issued a notice to cancel the down payment of 20% for purchasing a second house with provident fund loans from 2065438+September 6, 2005.

2. What's the new policy of Kunshan provident fund loan?

The down payment ratio of the provident fund personal housing loan for the first suite is not less than 30%, the upper limit of the loan is not more than 70% of the appraised house price, the personal loan is not more than 2 1 1,000 yuan, and the loan for both husband and wife is not more than 350,000 yuan. The specific amount is determined according to the monthly deposit amount of the provident fund. The down payment for the second set of housing provident fund personal housing loan is not less than 50%, and the loan interest rate is calculated at 1. 1 times of the interest rate of the first set of housing provident fund personal housing loan in the same period. Suspension of the borrower's application for the purchase of the third and above housing. The criteria for determining the first suite, second suite and third suite shall be determined according to the provident fund loan records.

3. What's the new policy of Kunshan provident fund loan?

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The maximum amount of each housing provident fund loan for newly-built ordinary housing shall not exceed 500,000 yuan, but for borrowers and other unmarried single employees, the maximum amount shall not exceed 300,000 yuan;

The maximum loan for housing provident fund is not more than 350,000 yuan, but for borrowers and other single employees who only meet the loan conditions or have no spouse, the maximum loan is not more than 2 1 0,000 yuan.

4. Can Kunshan Provident Fund be withdrawn?

First, Kunshan housing provident fund meets the requirements, you can go to the provident fund to go through the formalities, and draw it with the joint card of the provident fund.

In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:

1, purchase, build, renovate and overhaul owner-occupied housing;

2. Retired;

3, completely lose the ability to work, and terminate the labor relationship with the unit;

4, the account moved out of the city, county or settled;

5. Repay the principal and interest of the house purchase loan;

6, the rent exceeds the prescribed proportion of family wage income.

According to the second, third and fourth items, 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.

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

First extraction

1, patient's valid ID card;

2, the depositor's household registration book, married also need to provide a marriage certificate;

3. Original income certificates of all family members;

4. Original and photocopy of disease diagnosis certificate;

5. One original and one copy of the social security specific outpatient reply (the patient does not need to provide medical insurance);

6, hospitalization related treatment expenses vouchers, hospitalization expenses list, etc.;

7, "workers due to family emergencies or major diseases caused serious difficulties in life to extract housing provident fund declaration form" official seal of the unit;

8. If the depositor and the party concerned are immediate family members with different accounts, they shall provide the household registration certificate issued by the public security department.

Provident fund withdrawal process:

1. The unit manager goes to the banking service outlets to receive and purchase the housing provident fund withdrawal application and cash (transfer) check;

2. When employees apply for withdrawal of housing provident fund, they shall provide relevant certification materials to the unit in accordance with regulations. After verification, the unit shall fill in the Application for Withdrawal of Housing Provident Fund and cash (transfer) cheque, and affix the reserved seal. When employees who have individual accounts of housing provident fund in centralized households in the management center withdraw housing provident fund, they should bring relevant supporting materials directly to the business hall of the management center or the counter of the management department of the district and county sub-centers to apply;

3. Employees shall, in accordance with regulations, bring the Application Form for Withdrawing Housing Provident Fund and relevant supporting materials to the banking service outlets (district and county sub-center management departments) to apply for withdrawing housing provident fund;

4. After the information provided by the staff is qualified, the staff will extract and review the staff, print the acceptance receipt and submit it to the staff for confirmation, and submit the copy of the acceptance receipt 1 and the original supporting materials to the staff;

5, the extraction of housing provident fund into the employee's own housing provident fund joint card savings account.

The above is the flow and procedure of Kunshan provident fund withdrawal. Generally, as long as these conditions are met, they can be withdrawn. If it is the first time to evacuate, you should pay attention to bringing these materials with you. If the information is complete, it will be accepted on the spot. It will arrive in a few days,