The withdrawal of the provident fund is handled in the provident fund management center, which will transfer the provident fund to the applicant's account instead of directly withdrawing it from the bank.

Provident fund extraction, provident fund extraction is divided into three types: agreed extraction, partial extraction and cancellation extraction.

Conditions for withdrawal of provident fund:

1, where owner-occupied houses are purchased, provide purchase contracts, agreements or other certificates;

2, the purchase of owner-occupied housing, provide approval documents or other documents from the administrative departments of construction and land;

3, renovation, overhaul occupied housing, provide the approval documents of the planning administrative department or other documents;

4. Retirement, provide retirement certificate;

5, completely lost the ability to work and terminate the labor relationship with the unit, provide proof of complete loss of labor ability and proof of termination of labor relations;

6, after the termination of labor relations with the unit, not re employment for five years, to provide proof of unemployment;

7, within the administrative area of this province, provide proof of migration;

8 to repay the principal and interest of the house purchase loan, and provide the house purchase loan contract;

9. Pay the rent, provide proof of salary income and house lease contract.

Other uses of the Provident Fund:

1, buy a house;

2. Building renovated and overhauled houses;

3. renting a house;

4. Parents buy houses for their children;

5. You can withdraw all the balance if you close the account;

6, included in the minimum living allowance can be extracted;

7. Treat major diseases.

Second, how to withdraw provident fund loans

First, the public

1, provident fund loans are as follows:

(1) Submit a written loan application to the bank;

(2) Submit ID card, application form for withdrawal of housing accumulation fund, house ownership certificate, insurance termination contract and entrusted deduction agreement, then open an account and use it with the consent of the loan bank.

2. Legal basis: "housing accumulation fund"

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. Whether the housing provident fund management center grants loans or not; Where a loan is granted, the entrusted bank shall go through the loan formalities. The housing provident fund loan risk is managed by the housing provident fund.

2. What are the conditions for applying for housing provident fund loans?

1, the provident fund account has been established for more than 12 months, some regions require 6 months, and some require 12 months, which will vary from place to place;

2. The applicant 18 years old or above, and the male is under 65 years old and the female is under 60 years old;

3. Strong ability to repay the loan principal and interest and good credit status;

4. The applicant has paid the down payment for the house purchase as required;

5. The applicant provides a guarantee that meets the requirements of the bank;

6. Other conditions that meet the requirements of the local provident fund center.

Third, how to withdraw provident fund loans

You can't withdraw provident fund and loan at the same time. If you choose to withdraw the provident fund, you can't use the provident fund loan.

On the other hand, if you use the provident fund loan, you cannot withdraw the provident fund.

But there is another situation. You used to withdraw the provident fund when you bought the first suite, but you can use the housing provident fund when you buy the second suite.

If the provident fund is not withdrawn before handling the provident fund loan, it can be withdrawn after one year of repayment.

The first withdrawal amount is the full repayment of principal and interest in the year of down payment. You can apply for withdrawal once a year thereafter. The amount of each withdrawal is the principal and interest of all loans repaid in the current year until the house loan is fully paid off.

The last withdrawal is not limited by time, and more money can be accumulated before withdrawal (that is, the interval from the last withdrawal of provident fund must meet one year, and the amount cannot exceed the loan amount from the last withdrawal to the last installment at any time after one year).

4. What are the loan extraction steps of the mobile phone provident fund app repayment business?

1. Mobile phone to withdraw provident fund to repay commercial loans, first download the local housing provident fund center APP, enter a valid personal ID card and password to log in;

2. Find the "Extract" option, and several extraction types will appear after clicking it, including dissolution of labor relations, retirement, repayment of housing loans, withdrawal, renting and subsistence allowances.

3. Select repayment of housing loan withdrawal-repayment of local commercial loans, and follow the prompts after confirmation.

Note: if it is the first time to withdraw the provident fund and repay the commercial loan, you can't do it yourself online. The lender shall fill in the Application Form for Withdrawing Provident Fund, and apply at the counter of the local housing provident fund center with his valid ID card, repayment details of commercial loans in recent years 1 year, household registration book and other materials.