No loan contract is needed.
According to the provisions of Article 24 of the Regulations on the Management of Housing Provident Fund, employees can withdraw the storage balance in their housing provident fund accounts in any of the following circumstances:
Purchase, construction, renovation and overhaul of owner-occupied housing;
Retired;
Completely lose the ability to work and terminate the labor relationship with the unit;
Settle abroad;
Repay the principal and interest of the house purchase loan;
Rent exceeds the prescribed proportion of family wage income.
Summary: Article 25 of the Regulations stipulates that if an employee withdraws the storage balance in the housing provident fund account, it shall be verified by his unit and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
Second, how to write the housing provident fund loan contract?
Have a permanent and valid account in the town where the loan is located, and can provide a valid residence certificate;
The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months;
The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%;
The borrower has a proper job and a stable income, a fixed monthly salary and a clear intention to repay the loan;
Sign a house purchase contract or contract with the sales office;
Meet other conditions stipulated by the trustor and the trustee.
Three, provident fund loans to buy a house with a white skin contract or a yellow skin contract?
The skin is fair and has legal effect.
1. If it is a new house pre-sale contract (auction house), the contract comes into effect, which means that you can obtain the property right of the house. 2. If it is a second-hand house, the effectiveness of the contract means that you can obtain the property rights agreed in the contract, and you can obtain the property rights only after the transfer. That is to say, in this case, if the other party breaches the contract and there is no registered permanent residence, you can only claim compensation, but not necessarily obtain property rights.
Filling process of individual income tax housing loan: before filling, prepare the information of property owner (optional); Fill in the deduction year, loan method, loan term, loan bank, loan contract number and first repayment date for mortgage information; The last person.
legal ground
Article 14 of the Interim Measures for Special Additional Deduction of Individual Income Tax
The taxpayer's own or spouse's personal housing loan or * * * person's housing loan interest expenses shall be deducted according to the standard quota of 1 000 yuan per month in the year when the loan interest actually occurs, and the longest deduction period shall not exceed 240 months. Taxpayers can only enjoy the first home loan once.
The term "first home loan" as mentioned in these Measures refers to the housing loan that enjoys the interest rate of the first home loan when buying a house.