1. Materials provided by employees and audited by the unit. After examination and approval, the handling personnel of the unit shall fill in the Application Form for Housing Provident Fund Extraction and the Inventory of Housing Provident Fund Extraction, and submit an application to the account management department with the original and photocopy of relevant certification materials.

2, provident fund center management personnel to review the materials, give a reply within 3 days;

3. For eligible employees, the provident fund center shall establish a record sheet of housing provident fund withdrawal, and affix the seal of "housing provident fund withdrawal has been handled" on the purchase invoice (or purchase receipt, down payment invoice, rent invoice, tax payment voucher and purchase material invoice).

4. The management personnel enter the withdrawal list of housing provident fund and confirm the personal savings account.

Online extraction process:

1. Open Alipay and click "Citizen Center" on the home page.

2. Click "Provident Fund" to view the personal provident fund account.

3. Find "Provident Fund Withdrawal" and click the blue word to handle the provident fund withdrawal business.

4. Click Open, and there are two withdrawal methods: retirement withdrawal and public loan withdrawal.

The depositor shall meet the following conditions when applying for the withdrawal of housing provident fund to decorate owner-occupied housing:

1, with permanent residence or valid residence status in cities and towns of this province;

2. There is a housing property certificate or a certificate of housing use right issued by the housing property unit. If the purchase of a new house has not yet obtained the property right certificate, you can provide the full purchase invoice and the developer's notice of delivery;

3. Having the house renovation contract, decoration budget and related materials signed with the decoration enterprise approved by the competent department; Self-decorated households need to provide a project budget;

4. Have a good credit, can guarantee the authenticity of the renovation of the provident fund, and put it into the project construction before withdrawing the provident fund, and provide tax-controlled invoices for the down payment of house decoration or invoices for building materials required for the project budget table (employees decorate themselves).

Materials extracted from the provident fund:

1, Yishoufang extraction

(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) To withdraw the employee's own bank savings account and employee's spouse's provident fund, in addition to the above information, the original and photocopy of the husband-wife relationship certificate and the photocopy of the main buyer's provident fund withdrawal record sheet are also required.

2. Second-hand housing extraction

(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) To withdraw the provident fund from the employee's own bank savings account and the employee's spouse's residence provident fund, in addition to the above information, the original and photocopy of the husband-wife relationship certificate and the photocopy of the provident fund withdrawal record of the main purchaser are also required.

Precautions for withdrawal of provident fund:

1. The provident fund cannot be used for down payment.

Generally speaking, it is used first and then applied for withdrawal. This also means that even if it is used to buy a house, it is necessary to pay a down payment first, and then the identity cards of the applicant and spouse, as well as the household registration book, have to wait until the management department applies for the balance.

2. The total withdrawal amount cannot exceed the house payment.

The total withdrawal amount cannot be higher than the total house price. For example, there are 600 thousand in the account, and the total house price can not reach 600 thousand. At this time, you can't apply for full withdrawal. We must pay special attention to these details to prevent unnecessary troubles in the process of withdrawing money.

3. You can use the provident fund to buy a house again.

If you apply for the use of this house before buying a house, there will still be no other relevant records in this system after the loan is paid off. If the loan has not been paid off, the borrower himself will not be able to apply again with his spouse. If the loan has been paid off before this, you can apply for a provident fund loan to buy a house again, and this is not restricted by the second suite.