The extraction process of housing provident fund is as follows:
1. First of all, you need to provide your real ID card and its copy, and you need to provide different corresponding supporting materials according to different purposes of withdrawing housing provident fund. Then I need to go to my unit to collect and fill in the application form for housing provident fund withdrawal, and pay attention to affix the unit reservation seal to ensure its effectiveness.
2. The second step is to take the above-mentioned documents, applications and corresponding supporting materials to the housing provident fund management department where the employees originally paid the provident fund.
3. Step 3: After being audited by the local housing provident fund management department, confirm whether your situation meets the conditions for housing provident fund withdrawal and whether the submitted certification materials are true and legal.
4. If the documents you provide are incomplete, you need to apply for a supplement as soon as possible; If your application conditions are met, your personal information is filled in correctly, and your identity is true, the provident fund management center will allow your withdrawal requirements and inform you to go to the corresponding bank to handle the payment procedures; Do not have the application conditions, the provident fund management center will also inform, and will also inform the specific reasons for not being able to withdraw the housing provident fund in the notice.
5. Under normal circumstances, after you apply for the withdrawal of housing provident fund, the housing provident fund management center needs to complete the review within 3 working days from the date of your application and will inform you of the result as soon as possible.
6. If your application is audited by the housing provident fund management department, you need to provide the personal savings account number of the designated bank. After that, the housing provident fund management department will handle the procedures for the withdrawal of housing provident fund.
7. The housing provident fund management department will transfer the amount you applied for to the account you provided after completing the housing provident fund withdrawal procedures. After that, you only need to go to the bank yourself and take the bank card to withdraw the housing provident fund.
Can the provident fund be taken out?
According to the relevant provisions of Article 24 of China's Regulations on the Management of Housing Provident Fund, if you want to withdraw housing provident fund, you need to meet certain conditions. For example, when the depositor of housing provident fund has housing demand or other purposes permitted by policies, he can withdraw the housing provident fund deposited in his personal account.
These situations mainly include: purchase or construction of owner-occupied housing, repayment of principal and interest of loans for purchase and construction of owner-occupied housing, retirement or resignation, total or partial loss of working ability, and termination of labor relations with the unit.
As long as the employee has paid the provident fund as agreed after joining the job, when the employee wants to buy a house or rent a house locally, he can choose to submit relevant materials to the management department at this time, and then submit a written request to withdraw the housing provident fund. For the purpose of not buying a house or renting a house, no provident fund may be withdrawn.
I hope the above content can help you. If in doubt, please consult a professional lawyer.
Legal basis:
Article 11 of the general rules for loans
The loan term shall be determined by the borrower and the borrower through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract. Generally, the term of self-operated loans shall not exceed 65,438+00 years, and those exceeding 65,438+00 years shall be reported to the People's Bank of China for the record. The longest discount period of bill discount shall not exceed 6 months, from the discount date to the maturity date of the bill.