If there is no joint provident fund card, you can use other bank cards, but the bank card must meet two conditions. First, the bank card for withdrawing the provident fund should be a full-featured bank card. If the second-class and third-class bank cards with limited quotas are used, the amount of withdrawal of provident fund is large, which leads to the failure of withdrawal of provident fund; Second, the opening bank of the bank card must be the cooperative bank of the housing provident fund management center where it is deposited.
In addition to providing bank cards, other materials are needed for provident fund withdrawal, and different materials are needed in different situations. You can consult the local provident fund management center.
What are the functions of provident fund?
65438+ Employees, their spouses, minor children and others * * * buy houses together and do not use housing loans. * * * One of the same buyers and his spouse can withdraw housing provident fund in the above way, while other buyers cannot withdraw housing provident fund.
2. Commercial loans can draw down payment. If a personal housing loan from a commercial bank is used to purchase self-occupied housing, employees and their spouses may apply for withdrawal of the amount of housing provident fund before the month when the purchase contract or agreement is signed (including the month), and the withdrawal amount shall not exceed the down payment (for the purchase of directional resettlement affordable housing, the withdrawal amount shall not exceed the amount after deducting housing compensation from the down payment). If employees purchase houses with their spouses and minor children and use personal housing loans from commercial banks, the borrower and his spouse can withdraw the housing provident fund in the above way, and other buyers cannot withdraw the housing provident fund.
3. The purchase of housing can be repaid with commercial loans, and the principal and interest of individual housing loans of commercial banks can be repaid. Employees themselves and their spouses can apply for withdrawal of the amount of housing provident fund before the month (including the month) when the loan is due as stipulated in the loan contract, and the total amount does not exceed the repaid loan principal and interest. If employees and their spouses or minor children buy houses and use personal housing loans from commercial banks, one of the borrowers and their spouses can withdraw the housing provident fund in the above way (the extractor should be consistent with the employees who have withdrawn the down payment of the loan at one time), and other buyers cannot withdraw the housing provident fund.
4. Provident fund (portfolio) loans can be used to repay the principal and interest. In order to repay the principal and interest of individual housing provident fund (portfolio) loans, employees and their spouses can apply for withdrawal of loans to settle the amount of housing provident fund before the current month (including the current month), and the total amount does not exceed the repaid loan principal and interest.
Legal basis:
Regulations on the administration of housing provident fund
Thirteenth housing provident fund management center shall set up a housing provident fund account in the entrusted bank.
The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.
The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.