Many people are wondering how to make the best use of a large sum of money in the provident fund account and how to use it by employees who buy houses. How to extract if you don't buy a house for the time being? This article will have an answer. 1, the purchase of the so-called housing provident fund, as the name implies, the purchase of the house is the most common and convenient way. Extraction conditions: employees who purchase their own houses can withdraw the housing accumulation fund of their husband and wife, parents and children at one time within three years after obtaining valid purchase certificates, and parents and children must have the same household registration as one of the husband and wife. The total withdrawal amount shall not exceed the total purchase price. Extraction materials: The identity certificate of the extractor, the official seal of Jinan Housing Provident Fund Extraction Application Approval Form, and the following materials are required for the house purchase: 1. For the purchase of commercial housing in this city, the original and photocopy of the Real Estate Registration Certificate (Property Ownership Certificate) and deed tax payment certificate of the purchased house should be provided; If the Real Estate Registration Certificate has not been obtained, the original of the Commercial Housing Sales Contract registered in Jinan Real Estate Registration System and the original and copy of the full purchase invoice or the full payment receipt of Jinan Real Estate Enterprise uniformly printed by the tax authorities shall be provided. 2. To purchase the existing houses in this city, the original and photocopy of the Real Estate Registration Certificate (Property Ownership Certificate) and deed tax payment certificate of the purchased houses shall be provided. 3. If you purchase your own house in this city according to the relevant provisions of the housing reform policy, you should provide the original and photocopy of the Real Estate Registration Certificate (Property Ownership Certificate) and the valid purchase invoice of the purchased house, or the original and photocopy of the housing reform distribution form and the valid purchase invoice. 4. If you purchase the self-owned house for demolition and resettlement in this city, you should provide the original and photocopy of the valid certificate of the house demolition and resettlement agreement and the payment of the house price difference. 5. If you buy your own house in a different place, you should provide the Real Estate Registration Certificate (Property Ownership Certificate), the deed tax payment certificate, the original and photocopy of the full purchase invoice uniformly printed by the tax authorities, and the original of the Commercial Housing Sales Contract. Handling process: (1) Employees should first apply to their own units to withdraw housing provident fund. If the relevant materials submitted by individuals meet the conditions for withdrawal, they should fill in the Approval Form for Withdrawal of Housing Provident Fund in Jinan and affix the official seal of the unit. The unit manager or extractor will go through the examination and approval formalities at the provident fund center with relevant supporting materials. The provident fund center that meets the conditions for withdrawal shall be immediately examined and approved, and if the relevant information provided by the applicant needs to be investigated and verified, the provident fund center shall make a decision on whether to approve or disapprove the withdrawal within 3 working days from the date of accepting the application, and notify the applicant. (two) after the approval of the provident fund center, the extractor shall go through the formalities of withdrawal and payment at the deposit bank with the "Jinan Housing Provident Fund Withdrawal Application Approval Form" and the "Housing Provident Fund Payment Certificate" issued by the provident fund center. (3) If the employee housing provident fund has been transferred to the custodian of the provident fund center for storage, I can apply directly to the provident fund center with the relevant certification materials and the original and photocopy of the ID card. (four) Changqing, Zhangqiu, Pingyin, Jiyang, Shanghe workers to withdraw housing provident fund, with the required application materials to the local deposit bank for processing. 2. Withdrawal of account cancellation to settle abroad, resignation of non-local account, account migration, etc. Extraction conditions: If employees who have settled abroad and are not registered in Jinan terminate their labor relations with their units or their household registration moves out of Jinan Administrative Region and leaves the city, all the storage principal and interest payable in the employee's individual housing provident fund account shall be extracted according to the above conditions, and their housing provident fund account shall be cancelled at the same time. Extraction materials: The ID certificate of the extractor and the official seal of Jinan Housing Provident Fund Extraction Application Approval Form are required for account cancellation, and the following materials are also required: (1) Proof materials to be provided for going abroad (territory): the original and photocopy of the immigration approval document or the long-term residence certificate of the country (region) where the account is settled. (2) If employees and units with non-local household registration terminate their labor relations or their household registration moves out of Jinan Administrative Region and leaves the city for extraction, the certification materials should be provided: 1; if they are not registered in this city, the originals and copies of the certification materials such as the certificate of termination of labor relations, household registration book, my social security transfer slip or social security participation certificate should be provided. 2. If the household registration moves out of Jinan Administrative Region, the original and photocopy of the certificate of dissolution (termination) of labor relations and the migration certificate issued by the household registration management department shall be provided. Handling process: (1) Employees should first apply to their own units to withdraw housing provident fund. After the units review the relevant materials submitted by individuals, if they meet the conditions for withdrawal, they should fill in the Approval Form for Withdrawing Housing Provident Fund in Jinan and affix the official seal of the units. The managers or extractors of the units should go through the examination and approval procedures at the provident fund center with relevant supporting materials. The provident fund center that meets the conditions for withdrawal shall be immediately examined and approved, and if the relevant information provided by the applicant needs to be investigated and verified, the provident fund center shall make a decision on whether to approve or disapprove the withdrawal within 3 working days from the date of accepting the application, and notify the applicant. (two) after the approval of the provident fund center, the extractor shall go through the formalities of withdrawal and payment at the deposit bank with the "Jinan Housing Provident Fund Withdrawal Application Approval Form" and the "Housing Provident Fund Payment Certificate" issued by the provident fund center. (3) If the employee housing provident fund has been transferred to the custodian of the provident fund center for storage, I can apply directly to the provident fund center with the relevant certification materials and the original and photocopy of the ID card. (4) If employees in Changqing, Zhangqiu, Pingyin, Jiyang and Shanghe withdraw housing provident fund, they shall first deposit the required application materials in the local bank for preliminary examination, and then the bank will submit the preliminary examination materials to the provident fund center for review and approval. If the approval is passed, the bank will go through the formalities of withdrawal and payment. 3. Material for property fee extraction: (1) Approval Form for Jinan Housing Provident Fund Extraction in triplicate; (2) The original and photocopy of the applicant's ID card; Entrusting others to do it, the applicant's Power of Attorney, the original and photocopy of the applicant's and the agent's ID card must be issued. Withdrawal amount and time: each person's withdrawal amount shall not exceed 1000 yuan. Every employee can withdraw the housing accumulation fund once a year to pay the property fee, and the interval between the two withdrawals is not less than 12 months. Handling process: the applicant can sign an online contract for withdrawing property fees in the service hall of the website of the housing provident fund center. After signing the contract, the provident fund center will pay the withdrawal amount to the personal account on the 25th of each month. If you need to withdraw the next year, you should re-sign the contract. Applicants can also make an appointment on the website of the provident fund center and go to the appointment outlets with the appointment number and proof materials. In addition, there are other ways to extract. It is recommended to visit the websites of housing provident funds in various places, which are available online.