If both husband and wife's provident fund lenders retire, the balance of the provident fund cannot be withdrawn temporarily, and the provident fund can only be withdrawn after the provident fund loan is paid off. Provident fund withdrawal, is it ok?

What is the purpose of the provident fund?

1, one of the biggest uses of the provident fund for loans to buy a house is that it can be used for loans to buy a house, but not all of them can be used for loans to buy a house, because there are certain conditions for using provident fund loans to buy a house. According to the regulations, employees who have paid the housing provident fund in full and continuously for a specified number of years can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

2. Withdraw and repay the housing loans in the housing loan provident fund account, including commercial housing loans, provident fund loans and portfolio loans. Employees who handle the withdrawal and repayment of provident fund can apply for entrusted repayment, that is, entrust the provident fund center to withdraw housing and return personal housing loans. Entrusted loan repayment is divided into entrusted monthly repayment and entrusted annual repayment. Handling entrustment includes the borrower and his spouse, co-borrower and his spouse with common property rights.

3. Paying medical expenses for major diseases may be unknown to many people. In fact, the provident fund can also be used to pay for the medical expenses of major diseases. After a serious illness, everyone must remember the provident fund. Under the medical barrier, the burden of medical expenses is greatly reduced.

Of course, the purpose of the provident fund is not only to decorate the above situation, but also to us.

How much can the provident fund be withdrawn?

1. Withdraw the previous year's account balance of the spouse who purchased the owner-occupied house and withdrew the housing accumulation fund: (1) If the principal and interest of the loan are repaid, it shall not exceed the amount of principal and interest repaid in the current year or repaid in advance; (two) the total purchase price of non-loan self-occupied housing; (3) The one-time withdrawal amount of commercial bank loans for purchasing owner-occupied houses shall not exceed the down payment amount.

2. The payer's account for renting self-occupied houses shall apply for withdrawal of 2,700 yuan every six months; (2) Married persons can apply for withdrawing 5400 yuan from their own and spouse's account balance every six months.

3. For the construction, renovation and overhaul of self-occupied housing, you can apply for accumulative withdrawal from the account balance of yourself and my spouse, which shall not exceed the total cost of final accounts of construction, renovation and overhaul projects.

4. Withdrawal of non-housing consumption (1) for retirement; (2) Going abroad or settling abroad; (3) Incorporate into the management of "special account"; (4) The employee dies or is declared dead; (5) termination of labor relations with the unit, and no re-employment, the account has been sealed for half a year. For the above five categories of non-housing consumption withdrawal, you can apply to withdraw all the balance of your account and cancel your personal housing provident fund account.

Second, whether the mortgage can be cancelled if it is not repaid after retirement.

No

3. After retirement, can I withdraw the housing provident fund if the housing loan has not been paid off?

Just have a house purchase contract. ;

First-hand housing extraction:; The original purchase contract or purchase agreement and the printed copy of the withdrawal of the complex provident fund; The original and photocopy of the purchase invoice; The original and photocopy of the employee's ID card paid into the provident fund; Withdraw the provident fund from the employee's own bank savings account; 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 should also be provided for the employee's spouse's provident fund withdrawal. ;

Second-hand housing extraction:; Original and photocopy of real estate license; Original and photocopy of deed tax payment certificate; The original and photocopy of the employee's ID card paid into the provident fund; Withdraw the provident fund from the employee's own bank savings account; When the employee's spouse withdraws the 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 should also be provided. ; For the first time, the employee provident fund is withdrawn to purchase public housing: the original and photocopy of the purchase agreement or purchase certificate issued by the housing management department of the unit; The original and photocopy of the purchase receipt; The original and photocopy of the employee's ID card paid into the provident fund; Withdraw the provident fund from the employee's own bank savings account; 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 should also be provided for the employee's spouse's provident fund withdrawal.

4. What if the mortgage is not repaid after retirement?

In the case that the provident fund loans of both husband and wife have not been paid off, if one of them retires, the balance of the provident fund cannot be withdrawn temporarily, and the provident fund can only be withdrawn after the provident fund loans are paid off. Provident fund withdrawal can do this. What is the purpose of the provident fund? 1, one of the biggest uses of the provident fund for buying a house by loan is that it can be used to buy a house by loan, but not all people who pay the provident fund can use it to buy a house by loan, because there are certain conditions for using the provident fund loan to buy a house. According to the regulations, employees who have paid the housing provident fund in full and continuously for a specified number of years can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. 2. Withdrawing housing loans to repay the balance in the provident fund account can be used to repay housing loans, including commercial housing loans, provident fund loans and portfolio loans. Employees who handle the provident fund loan repayment business can apply for entrusted loan repayment, that is, entrust the provident fund center to extract the storage balance in the housing provident fund account for repayment of individual housing loans. Entrusted loan repayment is divided into entrusted monthly repayment and entrusted annual repayment. Employees who handle entrusted withdrawal business generally include borrowers and their spouses, as well as co-borrower and his spouse who have common property rights. 3. Paying medical expenses for major diseases may be unknown to many people. In fact, the provident fund can also be used to pay for the medical expenses of major diseases. After a serious illness, everyone must remember the provident fund. Under the double protection of medical insurance and provident fund, the burden of medical expenses is greatly reduced. Of course, the purpose of the provident fund is not only the above-mentioned situations, but also the corresponding amount can be extracted from renting or house decoration. How much can the provident fund be withdrawn? 1. If you purchase a self-occupied house and withdraw the housing accumulation fund, you can apply to withdraw it from the account balance of yourself and your spouse in the previous year: (1) If you repay the loan principal and interest, it will not exceed the current year's principal and interest amount or pay off the principal and interest in advance; (2) Non-loan purchase of owner-occupied housing, the one-time withdrawal amount shall not exceed the total purchase price; (3) The one-time withdrawal amount of commercial bank loans for purchasing owner-occupied houses shall not exceed the down payment amount. 2.( 1) If you have paid the rent of the rented self-occupied house, you can apply for withdrawing 2,700 yuan from your account every six months if you are unmarried or divorced; (2) Married persons can apply for withdrawing 5400 yuan from their own and spouse's account balance every six months. 3. For the construction, renovation and overhaul of self-occupied housing, you can apply for accumulative withdrawal from the account balance of yourself and my spouse, which shall not exceed the total cost of final accounts of construction, renovation and overhaul projects. 4. Withdrawal of non-housing consumption (1) for retirement; (2) Going abroad or settling abroad; (3) Incorporate into the management of "special account"; (4) The employee dies or is declared dead; (5) termination of labor relations with the unit, and no re-employment, the account has been sealed for half a year. For the above five categories of non-housing consumption withdrawal, you can apply to withdraw all the balance of your account and cancel your personal housing provident fund account.