1. The housing accumulation fund cannot be fully withdrawn, and it can only be withdrawn if it meets the withdrawal conditions, and the amount withdrawn at the same time cannot exceed the total house price;
2, a one-time payment to buy commercial housing, can be extracted once a year;
3, the loan to buy commercial housing, can be extracted once a year;
4. Both husband and wife can withdraw it once a year.
Provident fund professional extraction process:
1. Consultation: the extractor can consult the local provident fund management department or provident fund withdrawal institution first to understand the specific extraction process, required materials and matters needing attention;
2. Preparation materials: According to the amount of provident fund to be withdrawn and the reasons for withdrawal, prepare corresponding certification materials, such as purchase contract, loan repayment certificate, hospital diagnosis certificate, etc. , but also prepare basic materials such as identity certificate and provident fund account information;
3. Submit an application: the extractor brings the prepared materials to the provident fund management department or the provident fund withdrawal institution to apply and fill in the relevant application form;
4. Review: the provident fund management department or the provident fund withdrawal institution will review the withdrawal application, verify the identity of the extractor and the reasons for withdrawal, and check whether the provided certification materials are complete, true and effective;
5. Approval: After approval, the provident fund management department or the provident fund withdrawal institution will conduct approval to determine the withdrawal amount and the arrival time;
6. Transfer: the provident fund management department or the provident fund withdrawal institution will transfer the amount of the withdrawn provident fund to the bank account designated by the withdrawal person.
Materials extracted from social security accumulation fund:
1, ID card;
2. Personal bank card;
3, provident fund withdrawal application form;
4. Labor contract or resignation certificate;
5. Social security card or social security personal account number;
6, the applicant's marriage certificate, divorce certificate or death certificate and other documents (such as extracting the reasons for marriage, divorce or widowhood).
To sum up, you need to provide relevant application materials and fill in the corresponding application form before you can take out social security and provident fund. If it meets the requirements, you can take out the social security and provident fund according to the prescribed procedures.
Legal basis:
Article 3 of the Regulations on the Management of Housing Provident Fund
The housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where the employees work belong to individual employees.
Article 4
The management of housing provident fund shall follow the principles of decision-making of housing provident fund management committee, operation of housing provident fund management center, storage of special bank accounts and financial supervision.
Article 5
The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.
Article 6
The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.