According to the "Regulations on the Management of Housing Provident Fund" in the State Council, employees may apply for the withdrawal of housing provident fund in any of the following circumstances:
1. Purchase, build, renovate and overhaul owner-occupied housing;
2. Repay the principal and interest of the owner-occupied housing loan;
3. Rent self-occupied housing;
4. Retired;
5. Completely lose the ability to work, and terminate the labor relationship with the unit;
6 accounts to move out of the city, to settle abroad;
7. According to the local household registration policy, housing provident fund cannot be established, and employees who are not registered in this city are transferred from this city and terminate their labor relations with the unit;
8. If an employee dies or is declared dead, the employee's heirs and legatees may apply for withdrawing the storage balance in the employee's housing provident fund account.
The extraction methods are different in different situations, as follows:
1. Withdraw provident fund to buy a first-hand house:
(1) Original and photocopy of the house purchase contract or house purchase agreement;
(2) The original and photocopy of the purchase invoice;
(3) The original and photocopy of the employee's ID card shall be used to extract the provident fund;
(4) Application for withdrawal of provident fund (handled by the unit or bank);
(5) the bank savings account number of the drawer of the provident fund.
2. Provident fund withdrawal for purchasing second-hand houses:
(1) Original and photocopy of the real estate license;
(2) Original and photocopy of deed tax payment certificate;
(3) The original and photocopy of the employee's ID card shall be used to extract the provident fund;
(4) Application for withdrawal of provident fund (handled by the unit or bank);
(5) the bank savings account number of the drawer of the provident fund.
3 to repay the principal and interest of owner-occupied housing loans provident fund extraction:
(1) Original and photocopy of the house purchase contract (or pre-sale contract, as-built drawing and house ownership certificate);
(2) The original and photocopy of the loan contract;
(3) The original and photocopy of the loan repayment certificate (loan for more than one year, latest repayment record);
(4) Original and photocopy of purchase invoice (second-hand house: real estate license);
(5) The original and photocopy of the employee's ID card shall be used to extract the provident fund;
(6) Application for withdrawal of provident fund (handled by the unit or bank);
(7) the bank savings account number of the provident fund withdrawal person.
4. Lease owner-occupied housing to withdraw provident fund:
(1) Original and photocopy of the lease contract;
(2) The original and photocopy of the rent invoice or relevant receipt;
(3) The original and photocopy of the employee's ID card shall be used to extract the provident fund;
(4) Application for withdrawal of provident fund (handled by the unit or bank);
(5) the bank savings account number of the drawer of the provident fund.
The above are the specific handling methods and related requirements for the withdrawal of housing provident fund. I suggest you prepare relevant materials according to the actual situation and apply according to the prescribed procedures. In the process of application, if you have any legal problems or questions, you can always consult a professional legal adviser.
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