(2) After applying for a good loan, you must repay it monthly or in advance. The suspension of provident fund loans will not affect the repayment of loans, but you must ensure that you have money in your account to repay loans every month.
(3) Provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.
(4) It is proposed in the newly published "Draft for Review" that in addition to units and employees, individual industrial and commercial households without employees, part-time employees and other flexible employees can also pay the housing provident fund by individuals and enjoy the rights such as withdrawal and loan, which is undoubtedly a great advantage for some flexible employees.
Second, how to withdraw the sealed provident fund (1) to buy second-hand houses, you can withdraw it in full at one time with the purchase contract or the stock house transaction fund custody agreement or real estate license, the unified invoice for real estate sales or the stock house transaction fund custody certificate or deed tax payment certificate, housing provident fund card and ID card.
(II) For the purchase of newly-built housing, the purchase contract or real estate license, unified invoice for real estate sale or deed tax payment certificate, housing provident fund card and down payment or full-payment purchaser's ID card shall be used for one-time full withdrawal;
(3) Retirement, death or being declared dead; Settle abroad, completely lose the ability to work and terminate the labor relationship with the unit. If you move out of this city, you can take out the provident fund.
(four) the household registration is not in this city and the basic old-age insurance or basic medical insurance relationship transfer procedures have been handled; Men over 50 years of age or women over 45 years of age, unemployed and housing provident fund account has been sealed for 2 years, you can cancel the account and receive it.
Three. Conditions for withdrawal of provident fund If an employee is under any of the following circumstances, he may withdraw the storage balance in the employee housing provident fund account:
(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;
(seven) to terminate the labor relationship with the unit and move the account out of the city;
(eight) the termination of labor relations between employees and units that are not registered in this Municipality, and they are not employed in this Municipality and leave this Municipality;
(nine) employees who enjoy the urban minimum living guarantee;
(ten) some employees lose their ability to work, causing serious difficulties in life;
(eleven) the employee himself, his spouse, parents and children suffer from special diseases stipulated by the Labor and Social Security Department of Fujian Province (see the "departmental documents" column of the website of the Provident Fund Center for details), which causes serious difficulties in family life.
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.
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.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.