First, the purpose of withdrawal: to pay the purchase price

①After employees buy a second-hand house, they can withdraw it six months after obtaining the "Real Estate Certificate", but they can only withdraw it once every three years. .

②What should employees do if they buy a new house without a "Real Estate Title Certificate"? You can use the "Beijing Commercial Housing Pre-Sale Contract" to withdraw money once and only once within the one-year signing period! Second, the purpose of withdrawal: to repay the commercial loan part of a pure commercial loan or a combination loan

① You can withdraw it once after half a year of regular repayment, but there is only one withdrawal opportunity per year.

② If you use a combination loan, you can withdraw it once after half a year of regular repayment, but you can only withdraw it once every three years, and the cumulative amount does not exceed the commercial loan amount (the old policy is the balance of the commercial loan).

Here I would like to remind you that the balance of the provident fund can be withdrawn and used to return the principal and interest of the provident fund, or it can be used to offset the principal and interest of the commercial loan.

Third, the purpose of withdrawal: to return the provident fund loan; the principal and interest can be offset directly according to the "entrusted deduction" policy. Entrusted deductions can be processed on the day the provident fund loan is issued.

Fourth, purpose of withdrawal: To repay a provident fund loan from another place, you can withdraw it after half a year of repayment, and you can withdraw it only once a year.

Fifth, if there is an unpaid provident fund loan, the provident fund can only be withdrawn to repay the provident fund or the principal and interest of the commercial loan, and withdrawals for other purposes are not allowed. Key points: Including the commercial loan part of the second set of loan combinations, it can also be repaid by withdrawing the balance of the provident fund!

Sixth, if the couple has applied for provident fund loans separately before marriage, they can still withdraw their respective provident funds after marriage. Of course, they can also withdraw from one of the properties.

Seventh, it is worth mentioning that employees’ spouses and children (parents not included) who are seriously ill can withdraw the balance of the provident fund.

Eighth. Purpose: withdrawal after resignation

①I am from Beijing and have resigned, and my provident fund account must be sealed and suspended for two years before I can withdraw the balance;

②I am not from Beijing The person has resigned, and the provident fund account is sealed and suspended for half a year, and the balance can be withdrawn and flashed! !

"Beijing Housing Provident Fund Withdrawal Management Measures"

Main contents of the revision

(1) Adjusted the overall structure and improved some rules

1. Optimize the overall architecture. Chapter 4 "Withdrawal Procedures and Review" and Chapter 5 "Withdrawal Methods" of the original "Measures" are merged into one chapter "Authorization Review and Handling Methods", and the "Withdrawal for Non-housing Consumption" in the original "Measures" and its implementation details ” is changed to “other types of extraction”, and Chapter 4 of the original implementation rules, “Extraction supporting materials”, is integrated into each extraction category and clarified. At the same time, some extraction methods that are not suitable for reality are deleted, merged, and modified.

2. Clarify the number of housing units that can be withdrawn. "Focus on supporting the needs of employees and their spouses for their first rigid basic self-occupied housing, conditionally supporting the demand for their second self-occupied housing, and not supporting their needs for the third and subsequent self-occupied housing" was added to the new "Measures."

3. Reduce the scope of withdrawals for housing consumption. Cancel the withdrawal "used by low-income and needy employee families to pay for property management fees and other housing consumption".

4. Add withdrawal conditions for purchasing existing houses. Added a clause that "employees and their spouses who purchase their own houses as existing houses must wait for 6 months to obtain the "Real Estate Certificate" before applying to withdraw the housing provident fund."

5. Clarify the extraction rules for marriage changes. Two regulatory clauses have been added to the new "Measures": First, "If an employee and his spouse have already processed the withdrawal of their respective housing before marriage, they can continue to process it after marriage in the same way as before marriage, or they can process it after linking the relationship between husband and wife; If the marital relationship changes and those who meet the conditions for withdrawing the second self-owned house can apply for withdrawal;

Secondly, "if one party has purchased his own house before marriage, and the other party applies to withdraw the housing provident fund for the spouse's pre-marital property, he must Both husband and wife go to the counter at the same time to sign a confirmation (commitment) letter and process it. If the marital relationship changes, it will be deemed that both parties have used the housing withdrawal record as mentioned above."

(2) Optimize the conditions for withdrawing the first home

1. Cancel the time requirement for employee families to withdraw housing provident funds when purchasing their first home for self-occupation. That is to say, the time limit that "the registration time of the real estate certificate should be after March 8, 2010 (inclusive)" is cancelled, and house-purchasing employees who apply for the certificate before March 8, 2010 are allowed to replace the house ownership certificate with the house real estate certificate and then process the withdrawal.

2. The amount of withdrawal and repayment of commercial loans has been adjusted. The "withdrawal amount does not exceed the remaining amount of the personal housing commercial loan" is now adjusted to "the withdrawal amount does not exceed the personal housing commercial loan amount."

3. Adjusted the frequency of commercial loan repayments for first-time home loan portfolios. The "can be withdrawn once every 12 months" commercial loan repayment package loan for first-time home owner is now adjusted to "can be withdrawn once every 36 months", and other things remain unchanged.

4. Relax the time limit for withdrawal of registered contracts. "Those who purchase new commercial housing in this city can also withdraw the balance of their housing provident fund account once within six months from the date of signing the housing purchase contract based on the housing purchase contract registered with the housing authority." The "within half a year" will be relaxed to "within one year." _ __

(3) Optimize the extraction conditions for the second home owner-occupied house

1. Moderately relax the extraction conditions. The restriction of “within five years” in the original provision that “within five years can be withdrawn once within five years from the date of issuance of the real estate title certificate” is cancelled, and other conditions remain unchanged.

2. Clarify the withdrawal method and amount for the second home in another place. The second self-owned house in a different place can be withdrawn after the "Real Estate Certificate" is processed. The withdrawal frequency and amount are the same as those for the second self-owned house in Beijing.

In addition, if you apply for a housing provident fund off-site loan for a second home, you can choose to withdraw it with the "Real Estate Certificate", or you can choose to repay the housing provident fund off-site loan. The withdrawal is once every 12 months, and the cumulative withdrawal amount does not exceed Housing provident fund off-site loan amount.

(4) Integrate rental housing and add elevator extraction to existing residences

1. Incorporate the rental extraction for "double high-level talents" into the new "Measures" and adjust the rental extraction restrictions. First, on the basis of the withdrawals of ordinary workers without housing, the rental withdrawal limit for "double high-level talents" will be increased to twice that of ordinary rental withdrawals.

The second is to adjust the conditions for renting a house from the original "no self-owned housing in this city" to "those who have applied for a housing provident fund withdrawal or loan for house purchase can no longer apply for renting a house."

2. Incorporate the addition of elevators to existing residences into the new "Measures". At the same time, the "Beijing Completion Acceptance Registration Form for Existing Residential Elevator Addition Project" provided by the construction unit (client) in the application materials is cancelled.

(5) Standardize the extraction of "extremely poor" categories

1. Expand the scope of "severe" disease categories. On the basis of the original scope of major disease extraction: "chronic renal failure requiring renal dialysis treatment and anti-rejection after renal transplantation; malignant tumors, aplastic anemia; chronic severe hepatitis, and cirrhosis", the uremia category was added. Dialysis, targeted drug therapy, organ transplantation, heart bypass (stent).

2. Standardize the extraction of protection objects for "severe cases". The original scope of "contributing employees, spouses, children, and contributing employees' parents, spouses' parents?" will be adjusted to contributing employees, spouses, and children.

3. Refine the "minimum living security" extraction method. "Enjoying the minimum living security for urban residents in this city" is broken down into two withdrawal situations: on-the-job and resignation: for in-service employees, withdrawals are made once every 12 months, and the account balance is kept within 100 yuan; if the labor relationship with the unit is terminated, a one-time withdrawal is required Clear the principal and interest balance of the personal housing fund account, and cancel the personal account at the same time.

(6) Integrated account cancellation withdrawal types

Cancel, merge, and adjust account cancellation withdrawals, and most of them will be merged and unified into "seal and suspension of payment for two years" to facilitate simplification process, unify standards, and promote “online processing.”

1. Cancellation situation. The two types of account cancellation withdrawals will be cancelled: "Those who terminate the labor relationship with the employer and have a personal account balance of 1,000 yuan or less" and "those who terminate the labor relationship with the employer and resign to study in a full-time university" will be cancelled.

2. The situation of merger and adjustment.

"Those who have terminated their labor relationship with the employer and the male is over 50 years old and the female over 45 years old" and "whose housing provident fund account has been sealed or centralized custody and have not been re-employed for two years" will be merged and adjusted to: "those who have terminated their employment with the employer" "Relationship, and the housing provident fund account has been sealed for two years and payment has not been re-employed", that is, as long as the personal provident fund account has been sealed for two years and has not been employed (most cities have sealed it for two years), regardless of whether it is in centralized custody, the account can be closed and withdrawn. At the same time, it is stipulated that if the account is sealed for less than two years and re-employed, the account should be transferred.

(7) Make it clear that notarization is not required for withdrawal after death

If the deceased employee has a Class I bank debit card authenticated by real name, and his spouse, children, and parents handle the withdrawal, they must sign After signing the letter of commitment, the principal and interest of the deceased employee's housing provident fund account can be transferred to the deceased employee's Class I bank debit card;

If the deceased employee does not have a Class I bank debit card with real-name authentication , but if the balance principal of the deceased employee’s housing provident fund account is less than 50,000 yuan (inclusive), and his spouse, children, or parents apply for withdrawal, after signing a letter of commitment, the principal and interest of the deceased employee’s housing provident fund account can be transferred to the relevant interests. The drawee is a Class I bank debit card determined by negotiation; other than that, all applications need to be notarized.