1. Time for the purchaser to pay the provident fund in Zhongshan: The longer the individual pays the provident fund in Zhongshan, the higher the amount of the provident fund loan;
2. Balance of personal provident fund account: Zhongshan stipulates that the balance of personal provident fund account must reach a certain amount before the provident fund loan can be made. Generally speaking, the minimum requirement is 1 ten thousand yuan;
3. Repayment ability: The repayment ability of the individual should be considered in the loan of Zhongshan Provident Fund. Generally speaking, the repayment amount does not exceed 50% of the individual's monthly income;
4. Nature and area of the house: According to the regulations of Zhongshan City, provident fund loans can only be used to purchase ordinary houses, and the purchase area is also limited.
The ways to withdraw the provident fund include:
1. Withdraw the purchase price: employees who purchase the first house, second-hand house or overhauled house can apply to the provident fund management department for withdrawal of the provident fund. When applying, you need to provide relevant supporting materials, such as purchase contract, real estate license, repayment plan, etc.
2. Lease withdrawal: In the case of renting a house, employees can apply to the provident fund management department for withdrawal of the provident fund. Relevant supporting materials, such as rental contract and landlord's property certificate, need to be provided when applying;
3. Withdrawal of housing loan repayment: In the case of housing loan repayment, employees can apply to the provident fund management department for withdrawal of provident fund. When applying, you need to provide relevant supporting materials, such as loan contract, repayment plan, bank flow, etc.
4. Personal withdrawal: Under special circumstances, employees who need to withdraw the provident fund due to serious illness, children's schooling, unemployment, disability and other reasons may apply to the provident fund management department for personal withdrawal of the provident fund. Relevant certification materials, such as physical examination certificate, school certificate, unemployment certificate, etc. , you need to provide it when applying.
To sum up, the provident fund policies and regulations in different regions may be different, and the specific extraction methods and conditions need to be implemented according to local policies and regulations. At the same time, employees need to operate in accordance with the prescribed procedures and standards to avoid affecting the rights and interests of the provident fund.
Legal basis:
Article 24 of the Regulations on the Management of Housing Provident Fund
In any of the following circumstances, the employee may withdraw the storage balance 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.