1. Employees shall apply to their units for withdrawal of housing provident fund, and the units shall issue an application for withdrawal in duplicate after verification. Employees of centralized sealed households apply for withdrawal to sub-centers or management departments.
2. Employees hold the Application Form for Withdrawal and other application materials, and apply for withdrawal of housing provident fund at the sub-center or management department where the unit has paid the housing provident fund. The sub-center or management department will issue a notice of withdrawal, and the employee will sign it to confirm the withdrawal amount.
3. On the same day, the employee shall go through the payment formalities at the Construction Bank with the withdrawal application in duplicate and the withdrawal notice in triplicate verified by the sub-center or the management department.
4. The employee will return the copy of the withdrawal notice after the payment confirmation of CCB to the unit as the accounting voucher of the unit.
5. Housing consumption extraction includes one-time extraction of housing consumption and monthly extraction of housing consumption.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.