1. Both husband and wife have paid the housing provident fund, and the main purchaser has gone through the formalities for withdrawing the housing provident fund;
2. When the spouse withdraws the housing provident fund, it is necessary to provide the original materials, marriage certificate and the record sheet of the main purchaser's provident fund withdrawal;
3. The amount of provident fund withdrawn by both husband and wife should be below the total purchase price;
4. If the main purchaser has not established a provident fund account, the spouse shall provide relevant certification materials issued by the main purchaser's work unit.
Second, the provident fund loan application process
1. First, the lender applies for a provident fund loan from the bank, fills in a complete Application Form for Provident Fund Loan, and submits it to the bank together with the proof of the lender's and spouse's provident fund deposit, the lender's and spouse's ID card, marriage certificate, household registration book, house sales contract, family income certificate and other materials.
2. If the materials submitted by the lender are true and complete, the bank will accept the lender's application, report it to the local housing provident fund management center in time after acceptance, and the housing provident fund management center will conduct examination and approval, and immediately inform the bank of the examination and approval results after completion.
3. After the approval of the main housing provident fund management center, the lender and spouse sign loan contracts and other agreements with the bank, and the bank will send the agreements to the housing provident fund management center for approval. After the audit is correct, the entrusted loan funds will be allocated, and the bank will pay the loan to the lender on time according to the relevant provisions of the loan contract.
Relevant certification materials required for withdrawal of provident fund:
1, original and photocopy of the house purchase contract or house purchase agreement;
2. The original and photocopy of the purchase invoice;
3. Extract the original and photocopy of the employee ID card;
4. Withdraw the employee's own bank savings account;
In addition to the above information, the employee's spouse should also provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the withdrawal record of the main purchaser.
Both husband and wife can borrow from one side's provident fund, and the other side's provident fund can be withdrawn. Buying a house after marriage is a family unit and financed by provident fund. The property belongs to both husband and wife and meets the requirements of provident fund withdrawal.
legal ground
Regulations on the administration of housing provident fund
Twenty-third units to pay housing provident fund for employees, charged in accordance with the following provisions:
(a) the organs charged in the budget;
(two) institutions approved by the financial sector in the budget or expenses;
(3) The enterprise shall be charged in the cost.
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage 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.
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.