If you have purchased the provident fund, you can withdraw the provident fund. Go to the bank applying for provident fund and fill out the application form for provident fund withdrawal. There are many options, including drawing provident fund from your own house. You must ask the bank how much money you want to borrow.
Second, can you use the provident fund loan to build a house?
Legal subjectivity:
Whether self-built houses can be loaned by provident fund depends on the specific situation. The property applying for mortgage loan needs to meet the following conditions: 1, with clear property rights and no debt; 2. Have real estate license and state-owned land certificate for no more than 20 years.
law
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can withdraw housing provident fund when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant the loan or not within 15 days, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. Trend of housing provident fund loans. Legal basis: under any of the following circumstances, the balance in the gold account is: 1, and it is purchased, built, renovated or overhauled or scrapped; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5, renting a house for self-occupation; (If employees and their spouses have no self-occupied housing in Beijing, they can withdraw the housing provident fund of both husband and wife to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encounter serious difficulties; 9, migrant workers and units to terminate the labor relationship; 10, sentenced, sentenced or fixed retirement age during service; 1 1, dead or declared dead; Employees meet the conditions in Article 4 of these Measures, namely 1, 5, 6 and 7, and their spouses can withdraw the remaining housing from their accounts at the same time.
3. Can I build my own house with provident fund loans?
Rural self-built houses can be loaned by housing provident fund. Requirements for applying for provident fund loans: 1. The housing provident fund system has been established for one year, and the housing provident fund has been paid in full monthly for more than half a year; 2. Have a stable economic income, good credit and the ability to repay the principal and interest of the loan; 3. There are legal purchase (construction, renovation, overhaul) housing contracts, agreements and supporting documents approved by relevant departments; 4. When buying a house, you should first pay the purchase price of not less than the specified proportion. According to the law, employees can withdraw the storage balance in the housing provident fund account in any of the following circumstances: 1, purchase, build, renovate or overhaul their own houses; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers and units to terminate the labor relationship; 10, has been sentenced, sentenced or reached the statutory retirement age of the country at the expiration of his term of office; 1 1, dead or declared dead; If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time. Warm reminder that the above answer is only for the current information combined with my understanding of the law. Please refer carefully! If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.
Four, housing provident fund extraction conditions?
According to the relevant provisions of the state on housing provident fund, employees who purchase, build, renovate or overhaul their own houses can apply for withdrawing the balance stored in their own housing provident fund accounts, but the withdrawal of housing provident fund shall not exceed the cost of purchasing, building, renovating or overhauling their own houses.
When employees withdraw housing provident fund, they should provide the housing provident fund management institution with the original and photocopy of their ID cards, the Approval Form for Withdrawing Housing Provident Fund issued by the bank and the personal account information form of the provident fund.
For the construction or renovation of owner-occupied housing, it is also necessary to provide the original and photocopy of the land use right certificate, the construction land planning permit and the construction project construction permit.