The second method is to help us withdraw our personal provident fund through an intermediary company. But these intermediary companies don't help us extract them for free, and we still need to pay some intermediary fees. But there are also some advantages, that is, we don't need to provide too much information and it won't cause us too much trouble. Friends who take this approach must keep their eyes open and don't be cheated by scammers.
Another relatively independent method is to withdraw the provident fund directly by yourself. However, before adopting this method, we need to know whether our provident fund has been activated. If it is activated, we can directly go to the provident fund extraction department to directly extract it.
In addition to these three traditional ways, there are now more novel ways to withdraw personal provident fund. There are many mobile phone softwares that can help us. Alipay provides us with this function. First, find the function of Alipay city service, and then select the provident fund in the service classification, so that we can directly withdraw the personal provident fund. Is this method very simple? But now this function is only in the promotion stage, and only Guangzhou and Hangzhou can use it at present. Friends in Nanjing can log on to the website of Nanjing Housing Provident Fund Management Center to withdraw personal provident fund. Of course, people in other places can't use this function.
I believe that in the near future, it will be more and more convenient for individuals to withdraw provident fund. The above is the extraction method of individual provident fund.
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[Lawyer's reply] The general procedure for employees to withdraw housing provident fund is as follows: (1) First, apply to the unit. After reviewing the relevant certificates submitted by individuals and meeting the extraction conditions, the unit shall fill in the Approval Form for Individual Extraction of Housing Provident Fund and affix the reserved seal. (two) the handling personnel of the unit or individual employee shall go to the provident fund center (hereinafter referred to as the provident fund center for the establishment of housing provident fund accounts) for approval with the "Approval Form for Individual Withdrawal of Provident Fund" together with the original and photocopy of relevant certification materials. After the approval of the provident fund center is completed, the special seal for approval of provident fund shall be affixed to the Approval Form for Individual Withdrawal of Provident Fund filled in by the unit. (III) The handling personnel or individual employees of the unit go to the provident fund center where the account is opened to handle the transfer business with the Approval Form for Individual Withdrawal of Provident Fund approved by the provident fund center and the Transfer Voucher of Housing Provident Fund Management Center filled in and signed by the unit. The provident fund center will transfer the housing provident fund applied by the employees to the basic settlement account of the unit, and the unit will take it out and pay it to the employees.
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[Lawyer's reply] In any of the following circumstances, employees may apply for withdrawal of housing provident fund. (a) the purchase of owner-occupied housing, provide the purchase contract, agreement or other proof; (two) the purchase of owner-occupied housing, provide the approval documents or other documents of the competent department of construction and land administration; (three) renovation, overhaul occupied housing, provide the approval documents or other documents of the planning administrative department; (4) certificates of retirement and resignation; (five) completely lose 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; (six) after the termination of the labor relationship with the unit, if it has not been re-employed for five years, it shall provide proof of unemployment; (seven) to settle abroad, provide exit certificates; (eight) accounts to move out of the administrative region of this province, to provide proof of migration; (nine) to repay the principal and interest of the house purchase loan and provide the house purchase loan contract; (ten) to pay the rent, provide proof of wage income and housing lease contract; (eleven) migrant workers and units to terminate the labor relationship, provide proof of household registration and proof of termination of labor relations; (twelve) other circumstances stipulated by the housing provident fund management center.
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[Lawyer's reply] 1. If the purchaser does not withdraw the housing provident fund or apply for a housing provident fund loan when buying a house, according to the relevant regulations of the state, the balance of the provident fund in the account can be completely withdrawn when buying a house. 2. Those who have already applied for housing provident fund loans can also apply for house purchase after 1 year. For details, please refer to your local housing provident fund withdrawal regulations. 3. If the purchaser fails to repay the housing provident fund loan, he can extract the extractable amount according to the repayment situation of the previous year. 4. Buyers who buy new houses can quit after the down payment is paid; After the down payment, the buyers who buy second-hand houses can withdraw money with the stock house sales contract (or the stock house transaction fund custody agreement) and the stock house transaction fund custody certificate (the transaction fund is 30% or more of the house transaction price).
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[Lawyer's reply] In any of the following circumstances, employees may apply for withdrawal of housing provident fund. (a) the purchase of owner-occupied housing, provide the purchase contract, agreement or other proof; (two) the purchase of owner-occupied housing, provide the approval documents or other documents of the competent department of construction and land administration; (three) renovation, overhaul occupied housing, provide the approval documents or other documents of the planning administrative department; (4) certificates of retirement and resignation; (five) completely lose 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; (six) after the termination of the labor relationship with the unit, if it has not been re-employed for five years, it shall provide proof of unemployment; (seven) to settle abroad, provide exit certificates; (eight) accounts to move out of the administrative region of this province, to provide proof of migration; (nine) to repay the principal and interest of the house purchase loan and provide the house purchase loan contract; (ten) to pay the rent, provide proof of wage income and housing lease contract; (eleven) migrant workers and units to terminate the labor relationship, provide proof of household registration and proof of termination of labor relations; (twelve) other circumstances stipulated by the housing provident fund management center.
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[Lawyer's reply] According to the "Administrative Measures for the Withdrawal of Housing Provident Fund in Shanghai", when applying for the withdrawal of housing provident fund, identification documents shall be provided in accordance with the following requirements: (1) If the employee withdraws the housing provident fund himself, he shall provide identification documents; (two) if the employee's spouse participates in the extraction at the same time, provide the spouse's identity certificate and proof of marriage relationship with the employee; (3) If the trustee is the spouse or lineal blood relative of the principal, the identity certificates of the principal and the trustee, the relationship certificate between the principal and the trustee and the power of attorney issued by the principal shall be provided; If the trustee is not the spouse or immediate family member of the principal, the identity certificates of the principal and the trustee and the power of attorney notarized by the notary office shall be provided. If the housing accumulation fund is withdrawn by transfer, the employee shall provide his real-name registration system debit card opened in the city's commercial bank.
[Lawyer's reply] The answer to your question is as follows, which will have an impact on buying a house with a loan. The influence of withdrawing provident fund on buying a house in the later period: if only withdrawing provident fund and not using provident fund loans, then buying a house without a house and using provident fund loans can be handled according to the standard of the first home loan. However, if your lover has used provident fund loans before, although you have not taken up provident fund loans yourself, the down payment is 60% less because the whole family has used provident fund loans once before, and this is also a second home loan. According to the above two situations, we can see that the criteria for determining provident fund loans have nothing to do with the withdrawal of provident fund loans, that is, if you want to buy a house according to the first set of provident fund loans, you must have no housing or provident fund loan records under the name of (family). However, although the withdrawal of provident fund does not affect the number of provident fund loans, it also has an impact on provident fund loans and directly affects the amount of provident fund loans. Taking commercial housing as an example, the first suite of provident fund loans can be as high as 600,000, and the second set of housing provident fund loans can be as high as 600,000, after deducting the difference after the first use of housing provident fund loans. And before the loan is paid off, you can't use other houses to apply for provident fund repayment.
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[Lawyer's reply] Hello, you can withdraw the provident fund once or withdraw the provident fund when you buy a house. The answer is as follows. Before the provident fund loan, there is no need to withdraw the provident fund at one time. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan issued by local housing provident fund management centers to housing provident fund depositors who purchase, build, renovate and overhaul their own houses and retired employees who pay housing provident fund during their employment. According to the regulations, employees who have paid housing provident fund for more than a certain period of time can apply for provident fund loans when the funds for purchasing, building, renovating and overhauling their own houses are insufficient. The loan conditions are: the employees of the unit have signed a labor contract for more than three years (or signed a 1 year labor contract for three consecutive years), and have continuously paid the housing provident fund for a certain number of years according to the regulations. The borrower has a stable economic income and the ability to repay the principal and interest. The borrower agrees to handle the mortgage registration and insurance, provide the guarantee method agreed by the local housing fund management center and its sub-centers, and submit the relevant documents required by the bank, such as the house purchase contract or the house pre-sale contract, the house property certificate, the land use certificate, and the deposit of the provident fund.
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[Lawyer's reply] The answer is as follows: The laborer establishes labor relations with the employer, and the employer pays the housing accumulation fund for the laborer according to law. Workers who meet the conditions for withdrawing housing provident fund can go through the withdrawal procedures at the housing provident fund management center where the employer is located. Usually, it is successful enough to receive the account within three working days. "Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (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. Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
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[Lawyer's reply] Extraction condition: 1. After leaving the company, the provident fund account can only be withdrawn if it is sealed. Generally, the company will close the account within one month after the employee leaves the company, so it is more appropriate to withdraw it about one month after leaving the company. 2. Materials must be prepared according to the extraction requirements, and the specific materials are introduced as follows. Required materials: ① the original and photocopy of the company's resignation certificate; (2) The application form for provident fund withdrawal can be downloaded from the local provident fund website, filled in and stamped with the company seal, and can be prepared in advance; ③ Original and photocopy of ID card; 4 provident fund passbook, which will be cancelled after being handed in.
[Lawyer's reply] After buying a house, you can withdraw all the balance of the provident fund, but it cannot exceed the purchase price.
1, the account balance of one year after the month when the house purchase contract is signed; If the balance of my account exceeds the actual total purchase expenditure, it shall be withdrawn according to the actual expenditure;
2, employees apply for housing subsidies extraction business, with reference to the implementation, the extraction amount and housing provident fund combined calculation. If the length of service is less than 20 years, when the one-time housing subsidy is withdrawn, the unit shall verify the withdrawal amount according to the loan agreement.
3. If the employee's account balance is lower than the above-mentioned withdrawal limit, his spouse, parents and children can apply for withdrawal of their respective housing provident fund and housing subsidies within the limit. The total withdrawal amount of employees, their spouses, parents and children shall not exceed the above limit. Loan down payment withdrawal: the withdrawal amount is the personal account balance of the month when the house purchase contract is signed. If the personal account balance exceeds the down payment amount, it shall be withdrawn according to the actual expenditure.
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[Lawyer's reply] Legal opinion According to the regulations of the Ministry of Housing and Urban-Rural Development, the following materials are required to withdraw the housing provident fund to repay the mortgage: 1. Valid identity documents; 2. Purchase contract (loan contract); 3. Purchase invoice (down payment invoice) and proof of withdrawal of spouse's housing provident fund (if you are not the main purchaser). 4. I also need to provide my "Housing Provident Fund Extraction Record Sheet" for extraction; 5. Go to the unit provident fund handling personnel to handle the provident fund withdrawal procedures; 6. The remittance unit shall issue an application for the withdrawal of housing provident fund, affix the seal reserved by the unit, and attach relevant proof materials for withdrawal; 7 by the city housing provident fund management center system audit before handling.