Can the provident fund balance be withdrawn after a provident fund loan?

Can the provident fund balance be withdrawn after a provident fund loan? Article 24 of the "Housing Provident Fund Management Regulations" stipulates that employees can withdraw the balance in their housing provident fund accounts if they have one of the following circumstances: purchasing, constructing, renovating, overhauling self-occupied housing and repaying the principal and interest of the home purchase loan.

1. Purpose of provident fund:

Purpose 1: House purchase

1. Provident fund can be withdrawn in one go if you buy a house without taking a loan;

2 . If you buy a house with a commercial loan, you can withdraw the provident fund for down payment;

3. If you buy a house with a commercial loan, you can withdraw the provident fund to repay the principal and interest;

Purpose 2: Construction, renovation, and overhaul of housing

If you build, renovate, and overhaul your own house on rural collective land and use a housing loan, employees and their spouses can apply to withdraw funds for building a house. For the provident fund amount before the month of approval (including the current month), the total withdrawal amount shall not exceed the cost of building a house.

Use three: renting a house

1. Use the provident fund to pay the rent of an economic rental house with rent or government rental subsidy;

2. Use the provident fund to pay the rent of a market rental house .

Purpose 4: Parents buy houses for their children

1. If you do not use the housing loan to buy your own house, you can withdraw your parents’ provident fund;

2. Use a commercial bank for personal use If you purchase a self-owned house with a housing loan, you can withdraw your parents' provident fund after paying the down payment;

3. Use a personal housing provident fund (combination) loan to buy your own house, and you can withdraw your parents' provident fund after paying the down payment.

Purpose five: cancel the account and withdraw the entire balance

1. Divorced or retired;

2. Agricultural registered employees who are over 60 years old for men and 55 years old for women

3. Settled abroad, Hong Kong, Macao, and Taiwan;

4. Completely lost the ability to work, lost most of the ability to work, or was severely disabled and terminated from the employer or Termination of labor relations;

5. Receive unemployment insurance benefits;

6. Those who have been sentenced to a prison sentence, have moved their registered permanent residence out of the city where they are located, or have their registered permanent residence in a non-local city terminated or terminated from their employer Labor relations;

7. The housing provident fund account has been transferred to a centralized sealing account for 2 years or the labor relationship with the original unit has been terminated for 2 years;

8. Go to the administrative area of ??the city where you are located If you work outside the home and have established and paid housing provident funds locally, you can cancel your account and withdraw the entire provident fund balance.

Purpose 6: Withdrawal and use within the scope of subsistence allowances or special poverty relief

Employees are included in the scope of urban residents’ minimum living security or special poverty assistance. The employees themselves and their spouses can apply to withdraw the housing provident fund and withdraw it. The amount shall not exceed the amount of housing provident fund before being included in the scope of minimum living security or special poverty relief.

Purpose 7: Treatment of major diseases

Family members (including employees, spouses and minor children) suffer from major diseases or major surgeries (including myocardial infarction; uremia; leukemia; liver cirrhosis) ; Aplastic anemia; rheumatic stenosis and biasia; cerebrovascular malformation; cerebrovascular accident; necrotizing intestinal obstruction; liver atrophy; severe combined trauma; severe electrical injury; various cancer lesions; major organ transplantation; coronary artery bypass grafting surgery; heart valve surgery; aortic surgery; benign brain tumors; severe Alzheimer's disease; severe Parkinson's disease; severe burns; severe primary pulmonary hypertension; severe motor neuron disease) hospitalization, the employee and The spouse can apply to withdraw the housing provident fund. The application date should be within one year from the date of discharge. The total withdrawal amount shall not exceed the personal burden of hospitalization expenses.

Can the balance of provident fund be withdrawn after taking out a loan?

Provident fund can be withdrawn in cash.

How to withdraw cash from provident fund:

The business process of withdrawing housing provident fund is as follows:

1. The employee submits an application for withdrawing housing provident fund to his/her unit with the withdrawal certification documents. , after verification by the employer, the "Withdrawal Application Form" will be issued in duplicate.

Employees of centralized sealed households should go to the branch center or management department to apply for the issuance of an "Withdrawal Application Form".

2. With the "Withdrawal Application Form" and other withdrawal application materials, employees go to the branch center or management department where the unit deposits housing provident funds to apply for withdrawing housing provident funds. The branch center or management department issues a "Withdrawal Notice" , signed by the employee to confirm the withdrawal amount.

3. Employees should go to China Construction Bank to handle the payment procedures on the same day with the "Withdrawal Application" in duplicate and the "Withdrawal Notice" in triplicate that have been reviewed and confirmed by the branch center or the management department.

4. The employee will return a copy of the "Withdrawal Notice" after payment confirmation from China Construction Bank to the unit as the unit's accounting voucher.

Withdrawal conditions

Withdrawal for housing consumption includes one-time withdrawal for housing consumption and monthly withdrawal for housing consumption.

1. One-time withdrawal: including the purchase of commercial housing, price-limited commodity housing, targeted sales (resettlement) affordable housing, private property housing, public-owned existing housing and other self-owned housing; on rural collective land Build, renovate, and overhaul self-owned housing

2. Monthly withdrawal: including repayment of housing loan principal and interest; payment of rent or rent subsidy for economic rental housing.

Withdrawals for non-housing consumption include withdrawals from account cancellation and monthly withdrawals.

1. Withdrawal from account cancellation: including divorce and retirement; agricultural registered employees who are over 60 years old for men and over 55 years old for women; who have settled abroad, Hong Kong, Macao and Taiwan; complete loss of working ability, most of the losses Ability to work or severe disability (first- or second-level disability) and rescinding or terminating the labor relationship with the unit;

Receive unemployment insurance benefits; have been sentenced to a sentence, have moved their household registration out of the city, or have employees with non-local household registration left the city This city shall terminate or terminate the labor relationship with the employer; the housing provident fund account shall be transferred to a centralized lock-up account for two years or the labor relationship with the original employer shall be terminated for two years; the city shall work outside the administrative area of ????the city and establish and deposit the housing provident fund locally. ;The employee dies or is declared dead.

Compared with the original withdrawal policy, there are two additional reasons for the cancellation of agricultural household registered employees: male employees are over 60 years old, female employees are over 55 years old, and those who work outside the city’s administrative area and establish and pay local housing provident funds. extract.

2. Withdrawal on a monthly basis: including those who are included in the city’s urban residents’ minimum living allowance or special poverty relief; family members suffering from major diseases (including myocardial infarction, uremia, leukemia, liver cirrhosis, aplastic disorder Anemia, rheumatic stenosis, cerebrovascular malformation, cerebrovascular accident, necrotizing intestinal obstruction, liver atrophy, severe compound trauma, severe electric injury, various cancerous lesions) hospitalization.

Compared with the original withdrawal policy, the reasons for withdrawal included in the scope of special poverty relief have been added.

Extended information:

Withdrawal of provident fund means that the depositor, in accordance with the requirements for withdrawal of provident fund, goes to the relevant department for withdrawal of provident fund to handle provident fund withdrawal procedures, and transfers part of the provident fund account or The entire amount is withdrawn to a personal bank account.

Provident fund withdrawals can be divided into three types: agreed withdrawals, partial withdrawals and account cancellation withdrawals.

To withdraw provident fund, you need to apply for a provident fund co-branded card at a designated bank in advance. The withdrawn provident fund will be directly transferred to the savings account of the card.

Agreed withdrawal

Agreed withdrawal of provident fund refers to employees and their spouses who withdraw provident fund due to the purchase, construction, renovation, overhaul of self-occupied housing and repayment of the principal and interest of housing loans. The provident fund management center submits relevant applications, and according to the agreed time filled in the application, the provident fund management center will transfer the withdrawn provident funds to the employee's own provident fund joint card savings account on time.

Partial withdrawal

Partial withdrawal of provident fund means that the depositor of provident fund applies for partial withdrawal of provident fund in accordance with the requirements for partial withdrawal of provident fund. The maximum amount that can be withdrawn is 10 yuan minus the total account amount.

Withdrawal from account cancellation

1. Conditions for withdrawal from account cancellation that meet the provident fund withdrawal conditions

(1) Retirement: retirement certificate or relevant certificate from the labor department , ID card of the person who withdraws;

(2) Household registration moved out of this city: household registration relocation certificate issued by the public security department, ID card of the person who withdraws;

(3) Settling abroad: household registration Cancellation certificate;

(4) Loss of working ability and termination of labor contract: identification of employee’s loss of working ability and certificate of termination of labor contract provided by the labor department, and ID card of the extractor;

( 5) To terminate the labor relationship between migrant workers and the unit: provide proof of household registration and proof of termination of the labor relationship;

(6) When an employee is sentenced while on the job, or reaches the national statutory retirement age upon expiration of the sentence: Should Provide the People's Judgment;

(7) If the employee dies or is declared dead: the death certificate of the employee should be provided. If the heir or legatee withdraws it, the certificate of inheritance or legatee issued by the notary department must also be provided. A notarial deed or a judgment, ruling or mediation made by the people.

2. The handling of provident fund withdrawals for account cancellation

The provident fund withdrawals for account cancellation are similar to the account cancellation withdrawals from bank accounts. When handling account cancellation withdrawals, the provident fund withdrawals are based on the For account cancellation and withdrawal requirements, just fill in the account cancellation and withdrawal application form and go to the provident fund withdrawal management department for processing.

Withdrawal conditions

Employees who have any of the following circumstances may apply to withdraw housing provident funds.

(1) If purchasing a self-occupied house, provide a purchase contract, agreement or other certificates;

(2) If purchasing a self-occupied house, provide a certificate from the construction, land and other administrative departments Approval documents or other supporting documents;

(3) If the self-occupied house is renovated or overhauled, approval documents or other supporting documents from the planning administration and other competent departments shall be provided;

(4) Retirement If the employee has completely lost the ability to work and terminated the labor relationship with the unit, provide a certificate of identification of complete loss of ability to work and a certificate of termination of the labor relationship;

(6) ) After terminating the labor relationship with the unit, if he has not been re-employed for five years, he must provide a certificate of non-employment;

(7) If he leaves the country to settle down, he must provide a certificate of departure and settlement;

(8) If the registered permanent residence moves out of the administrative area of ??the province, a migration certificate must be provided; (9) If the principal and interest of the house purchase loan are repaid, a house purchase loan contract must be provided; (10) If the rent is paid, salary income must be provided Certificate and housing rental contract;

(11) The migrant workers terminate the labor relationship with their units and provide proof of household registration and proof of termination of the labor relationship;

(12) Housing Provident Fund Other circumstances for extraction specified by the Management Center.