2. The monthly entrusted withdrawal of commercial loans will be transferred from 10 to 12 every month from the month after acceptance (postponed in case of holidays);
3. The monthly entrusted withdrawal of corporate loans will be transferred from 15 to 17 every month from the month after acceptance (postponed in case of holidays). Withdrawal for construction, renovation and overhaul: The housing accumulation fund can be withdrawn once after one year of repayment of principal and interest agreed in the loan contract, and the interval between two withdrawals is not less than 12 months. Rent payment: employees and spouses can withdraw it once a year, and the interval between two withdrawals is not less than 12 months. Pay the property management fee: each person can withdraw it once a year, and the interval between two withdrawals is not less than 12 months.
1. What are the extraction conditions of housing provident fund?
1, purchase, build, renovate and overhaul owner-occupied housing;
2, reached the national legal retirement age, or has officially gone through retirement procedures;
3, completely lose the ability to work, and terminate the labor relationship with the unit;
Second, the provident fund withdrawal process:
1. Sign the payment agreement. The Buyer and the Seller sign the loan fund transfer payment agreement.
2. Entrusted assessment. The loan applicant entrusts a housing appraisal institution recognized by the housing provident fund management center to evaluate the transferred house and issue an appraisal book.
3. Housing transfer. The buyers and sellers handle the house transfer formalities in the real estate registration department, sign the house sales contract, complete the deed tax payment formalities in the tax collection and management center, and obtain the property right certificate after the transfer.
4. Loan application. The loan applicant shall fill in the Application Form for Individual Housing Provident Fund Loan at the Housing Provident Fund Management Center with the materials required for the aforementioned provident fund loan, and make a record of the loan interview.
Legal basis:
"Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's 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.