One spouse can borrow money to buy a house before marriage, and the other spouse can withdraw the provident fund after marriage.

The storage balance in the employee housing provident fund account can be extracted under the following circumstances:

1, purchase, build, renovate and overhaul owner-occupied housing;

2. Retired;

3, completely lose the ability to work, and terminate the labor relationship with the unit;

4. Go abroad to settle down;

5. Repay the principal and interest of the house purchase loan;

6, the rent exceeds the prescribed proportion of family wage income.

Extended data

At present, the withdrawal of housing provident fund due to loan repayment is divided into cash withdrawal and "entrusted withdrawal", you can choose one of them.

1. Withdraw cash: For Suzhou housing loan, your spouse needs to bring his/her housing provident fund card, marriage certificate and ID card to the bank outlet of the housing provident fund withdrawal place or the service hall of the housing provident fund management center, and withdraw it twice a year. The retention amount stipulated in the deposit policy (the retention amount of the urban management department is 10 month's provident fund deposit amount) should be retained, and the retention amount should be withdrawn once the loan is paid off.

2. Entrusted withdrawal: entrusted withdrawal of housing provident fund for repayment of housing loans, that is, "entrusted withdrawal", means that employees who have paid housing provident fund entrust their local provident fund management institutions and loan banks to withdraw housing provident fund (including housing subsidies for new employees) according to the monthly repayment amount of their housing loans, and directly transfer them to personal bank accounts designated for deduction of repayment.

Please present relevant supporting documents to the loan bank to sign the entrustment agreement.

Entrusted by more than one person, the formalities shall be completed at the same time.

Proof materials include: loan contract, power of attorney for deduction and repayment signed by the employee and the loan bank, bank passbook (card) for designated deduction and repayment, ID card and provident fund card.

Entrusted by family members other than the borrower, proof of the relationship with the borrower, such as household registration book and marriage certificate, shall also be provided. All the above materials must be original, and a copy of the loan contract and proof of relationship with the borrower should be provided.

The customer's provident fund account should retain the retention amount stipulated in the deposit policy (the retention amount of the urban management department is the monthly deposit amount of the provident fund in the latest month). (Note: Entrusted withdrawal is only applicable to housing loans in Suzhou).

Baidu Encyclopedia-Provident Fund Extraction