First, rental housing provident fund extraction conditions:

What relevant certification materials do employees need to provide for the first time to withdraw housing provident fund because of paying rent?

(1) When employees apply for rent withdrawal within the administrative area of Beijing, they should provide: the rental fee invoice issued by the rental house tax collection authority or the tax authority; Housing lease contract; Proof that the unit pays the basic old-age insurance premium;

(2) If an employee applies for renting a house outside the administrative area of Beijing, he/she shall provide: a rental certificate issued by his/her unit; Provide tax payment certificates and rental fee invoices that meet the management requirements of the place where the house is located; Housing lease contract; Proof that the unit pays the basic old-age insurance premium;

(3) Employees renting public rental housing or low-rent housing shall provide rental invoices (receipts);

(4) Extract the original and photocopy of the employee ID card;

(5) Withdrawing the employee's own bank savings account;

In addition to the above information, the employee's spouse should also provide the original and copy of the husband-wife relationship certificate and the copy of the main rental record.

Second, the main characteristics of housing provident fund:

(1) universality, urban workers must pay the housing provident fund in accordance with the provisions of the Regulations, regardless of the nature of their work units, family income level and whether they have housing;

(2) Mandatory (policy). If the unit fails to register the deposit of housing provident fund or fails to set up a housing provident fund account for employees, the housing provident fund management center has the right to order it to handle it within a time limit. If no correction is made within the time limit, it may be punished according to the relevant provisions of the Regulations, and may apply to the people's court for compulsory execution;

(3) Welfare, in addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans;

(4) Retractability: If the employee retires, resigns, or completely loses the ability to work and terminates the labor relationship with the unit, or the household registration moves out and settles abroad, the paid housing provident fund will be returned to the individual employee.

Legal objectivity:

Article 24 of the Regulations on the Management of Housing Provident Fund

In any of the following circumstances, employees 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.