Article 24 Under any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account: (1) purchasing, building, renovating or overhauling their own houses; (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.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.
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.
Guiding Opinions of the Ministry of Construction, the Ministry of Finance and the People's Bank of China on Several Specific Issues Concerning the Management of Housing Provident Fund (No.5 [2005] of the Building and Construction Regulations) VII. If an employee meets the requirements and applies for withdrawing the balance stored in the housing provident fund account, the unit to which he belongs shall issue a certificate of withdrawal after verification. If the unit does not issue a certificate of withdrawal of housing provident fund for employees, employees can apply directly to the management center or the entrusted bank for withdrawal of housing provident fund with valid certification materials.
Eight, workers purchase, construction, renovation, overhaul occupied housing, did not apply for personal housing provident fund loans, in principle, workers themselves and their spouses in the purchase, construction, overhaul of housing within one year, with valid proof materials, one or several times to extract the storage balance in the housing provident fund account. The total withdrawal amount of both husband and wife cannot exceed the actual housing expenditure.
Nine, migrant workers, urban individual industrial and commercial households, freelancers to buy self-occupied housing or in the location of the account to buy self-occupied housing, you can rely on the purchase contract, land use certificate and other valid proof materials, to extract the balance of their own and their spouses' housing provident fund accounts.
Ten, enjoy the minimum living guarantee for workers in the city; If the labor relationship with the unit is not re-employed, partially or completely lost the ability to work, and other unexpected events lead to serious difficulties in family life, they can provide valid proof materials, and after being audited by the management center, they can withdraw the storage balance in their housing provident fund accounts.
Eleven, the transfer of workers, the original work unit fails to handle the housing provident fund change registration and account transfer procedures for employees, employees can complain to the management center, or with valid proof materials, directly to the management center to apply for account transfer procedures.
Twelve, workers transferred to other districts of the city, transferred to the unit to set up housing provident fund accounts for employees, the management center of the new workplace should be to the original workplace management center issued a new account certificate and personal transfer application. The management center of the original place of work shall go through the formalities of change registration and account transfer after verification with the transferring unit; If the original account has been sealed, it can be transferred directly. In principle, transfer is adopted. If you can't transfer money, you can also transfer it to the management center of your new workplace by wire transfer or letter transfer. Transferred to the unit did not establish a housing provident fund system, the original work unit management center can temporarily seal the employee account.
Detailed rules for the implementation of the measures for the administration of the withdrawal of housing provident fund in Changchun City Article 4 Employees may withdraw the storage balance in the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses. (two) retired, retired or reached the statutory retirement age. (3) The employee dies or is declared dead. (4) Terminating the labor relationship with the unit and meeting one of the following conditions at the same time: 1, completely losing the ability to work; 2. The unit is declared bankrupt according to law; 3, was sentenced to punishment during his tenure; 4. The account moves out of the jurisdiction or the account is not in the jurisdiction; 5. Regional employees belonging to agricultural registered permanent residence; 6. Non-agricultural registered permanent residence workers within their jurisdiction have not been re-employed for more than two years after the termination of labor relations with their units; 7. Employees with non-agricultural household registration within the jurisdiction are re-employed in other provinces after their work is transferred to other provinces or after the labor relationship is terminated with the unit. (five) to repay the principal and interest of the purchase of owner-occupied housing loans. (6) Exiting settlers. (seven) the family is included in the scope of the minimum living guarantee for urban residents in this Municipality and is receiving the minimum living guarantee. (eight) the monthly rent of public housing exceeds 15% of the monthly salary of the family. (9) Encountering the following unexpected events, causing difficulties in family life: 1. I, my spouse, children or parents are hospitalized for major diseases within the scope of urban and rural medical assistance listed by the municipal government; 2. Domestic ordinary colleges and universities whose children have obtained full-time college degrees recognized by the state are unable to provide them with schooling opportunities; 3. In case of other emergencies, the family suffered heavy property losses; 4, the city's families to buy government affordable housing. (ten) non city urban migrant workers rented housing.
Article 5 If an employee meets the conditions in Items (1), (5), (7), (8) and (9) of Article 4 of these Rules, the spouse may withdraw the storage balance in the housing provident fund account at the same time.
Workers meet the conditions specified in Item (1) and Item (5) of Article 4 of these Rules, and if there are two or more buyers or co-owners, and the spouse, parents and children with the same household registration jointly purchase the house, the co-owners of the house can withdraw the storage balance in the housing provident fund account; When two or more families purchase houses, only the purchaser or the co-owner of one family is allowed to withdraw the storage balance in the housing provident fund account, and the other co-owners must be present when withdrawing and promise to give up the withdrawal.
Article 6 Under any of the following circumstances, employees shall not withdraw the housing provident fund within the time limit prescribed by law or the center: (1) The housing provident fund account is frozen according to law; (2) Failing to repay the principal and interest of the housing provident fund loan on time; (three) after investigation and verification by the center, false certification materials have been used to apply for the withdrawal of housing provident fund; (four) the fact that the housing loan has been repaid, and before the loan is settled, the application for withdrawal is made on the grounds of purchasing other housing or repaying other housing loans; (5) The entrusting center extracts the principal and interest of the housing provident fund loan from the housing provident fund after signing the repayment agreement, and the agreement is within the validity period, or the spouse signs the repayment agreement and the agreement is within the validity period.
Article 7 Employees shall not withdraw housing accumulation fund under any of the following circumstances: (1) purchasing commercial and residential dual-use housing or repaying the principal and interest of the loan for purchasing commercial and residential dual-use housing; (two) within the jurisdiction of the household registration workers to buy housing or repay the principal and interest of housing loans outside the jurisdiction; (3) If it has been withdrawn on the grounds of buying a house or repaying the principal and interest of a house loan, it will be repurchased or leased after sale; (4) Obtaining the ownership of the house by means of donation, inheritance, etc., without actual housing consumption expenditure; (five) although the actual investor of the house, but the buyer of the house is a minor child or the property right is registered in the name of the minor child.
Article 7 of the Detailed Rules for the Implementation of the Provisions on the Withdrawal of Housing Provident Fund in Sichuan Province stipulates that depositors can withdraw housing provident fund when purchasing self-occupied housing: (1) Those who purchase self-occupied housing without loans or participate in fund-raising housing construction can apply for a one-time withdrawal of the housing provident fund from their own and their spouses' housing provident fund accounts in the previous year within one year from the date when the property right certificate is completed or the purchase contract takes effect. (2) If you purchase a self-occupied house with a loan, you can apply for withdrawing the housing provident fund from the balance of the account of yourself and your spouse that does not exceed the payment amount to pay the down payment for the house purchase with relevant supporting materials; Or after repaying the loan for the first time for one year, apply to withdraw the housing provident fund from the previous year's balance of my and my spouse's account once or twice a year to repay the loan principal and interest. (3) Non-spouse depositors who jointly purchase self-occupied housing with the same property right can apply for withdrawal of housing provident fund according to their respective share of purchase price, and there is no clear average share.
(1) On the urban state-owned land, the approval documents of the planning, construction and land management departments at or above the county level and the state-owned land use certificate shall prevail for the construction of owner-occupied houses, and the appraisal certificate of the housing safety appraisal department at or above the county level, the approval documents of the planning and construction management departments and the housing ownership certificate shall prevail for the renovation and overhaul of owner-occupied houses. (2) On rural collective land, the construction of owner-occupied housing should be based on the approval documents of the planning, construction and land management departments at or above the county level and the collective land use certificate, and the renovation and overhaul of owner-occupied housing should also be based on the certificate of the rural housing safety management institution and the housing ownership certificate. , the applicant may apply to withdraw the balance of his spouse's account that does not exceed the construction, renovation and overhaul expenses.
Ninth depositors can use the housing provident fund when renting their own houses:
If the rent exceeds the prescribed proportion of family income, you can apply for a one-time withdrawal of housing provident fund from the balance of your own and your spouse's account every year to pay the rent.
The proportion of rent exceeding family income shall be stipulated by the administrative committees of cities (states). Urban low-rent housing security object to withdraw housing provident fund to pay rent is not limited by the ratio of rent to income.
Tenth employees retire, terminate labor relations with the unit for special reasons, go abroad to settle down, die, etc. , you can withdraw all the balance in your own housing provident fund account and cancel your personal housing provident fund account at the same time: (1) When employees retire, they can apply for withdrawing all the balance in their own accounts with the retirement certificate issued by the municipal, state (district, county) labor department; Individual industrial and commercial households, freelancers and unemployed and self-employed demobilized military cadres who have paid the housing provident fund shall apply for withdrawal of all the balance in their accounts with relevant certification materials if they are over 60 years old for men and 55 years old for women. (2) If an employee completely loses the ability to work and terminates the labor relationship with his unit, he/she shall apply for withdrawing all the balance in his/her account on the basis of the certificates of hospitals and labor appraisal departments at or above the county (district) and the certificate of termination of the labor relationship with the unit.
(3) When the depositor settles abroad, Hong Kong, Macao and Taiwan, he/she shall apply for withdrawing all the balance in the account with passport, visa, certificate of cancellation of household registration in China (territory) and other relevant materials. (4) If an employee is sentenced to punishment and terminates his/her labor relationship with the unit during his/her employment, and there is no possibility of re-employment and it is inconsistent with the account managed by the entrusted management center, he/she shall apply for withdrawing all the balance in his/her account with the judgment of the judicial department, the certificate of termination of labor relationship with the unit and other relevant materials. (5) If the depositor dies or is declared dead, and the heir or legatee disputes the right of inheritance or bequest on the basis of his death certificate and notarial certificate of the notary department, he shall also provide the judgment, ruling or conciliation statement of the people's court, and apply for withdrawing all the balance in his account or transferring it to the heir's (legatee's) housing provident fund account for further storage.
If the depositor dies or is declared dead without an heir or legatee, the balance of his account shall be included in the value-added income of the housing provident fund.
Article 11 If the depositor, spouse or children and other family members suffer from serious diseases or major disasters and accidents, resulting in serious difficulties in family life, they can apply for withdrawing part of the housing accumulation fund from their personal accounts: (1) If the depositor, spouse or children and other family members suffer from serious diseases stipulated by the provincial medical insurance administrative department, resulting in serious difficulties in family life, they can apply for withdrawing it by themselves, and their spouses and children can rely on the diagnosis certificate, medical expense payment certificate, themselves, their spouses and children of the designated hospitals or hospitals with medical insurance. (II) When a major natural disaster or traffic accident occurs, you can apply for withdrawing the housing provident fund from the account balance of yourself, your spouse and your children within one year on the strength of the disaster accident handling and family income certificates of the relevant units, as well as the identity certificates of the depositor, spouse and children.
Twelfth people who receive the minimum living allowance for urban residents, with relevant supporting materials, can apply for the withdrawal of their own and their spouses' housing provident fund.
Article 13 In case of Article 11 and Article 12, if the individual housing provident fund loan is returned or the rent is paid, the principal and interest of the individual housing provident fund loan or the rent shall be returned from the housing provident fund.
Fourteenth extraction of housing provident fund in addition to the cancellation of personal accounts, the minimum extraction amount to 100 yuan as an integer unit extraction.
Xifang Jinfa (2015) No.2 "Xi Housing Provident Fund Extraction Rules"
Article 3 Employees who meet any of the following circumstances and can provide legal and valid certificates in accordance with regulations may apply for withdrawing the amount stored in the individual housing provident fund account: (1) The purchaser (property owner), his spouse, children and parents may withdraw it; (two) to reach the national legal retirement age, or has officially gone through retirement procedures, the employee himself can quit; (three) completely lose the ability to work, and terminate the labor relationship with the unit, the employee himself can quit; (four) to settle abroad, the workers themselves can withdraw; (five) to repay the principal and interest of the loan for the purchase of owner-occupied housing, and the borrower and his spouse may withdraw it; (six) in the city rental housing, pay rent more than 0.5% of the monthly salary of the family, the workers themselves and their spouses can extract; (seven) are enjoying the minimum living allowance for urban residents, can be extracted to enjoy the minimum living allowance; (eight) I, my spouse and their immediate family members have serious difficulties in family life due to major diseases, and I, my spouse and their immediate family members can extract them; (nine) in case of emergency, resulting in serious difficulties in family life, the employees themselves and their spouses can withdraw; (ten) continuous unemployment for more than two years, the per capita monthly income of the family is lower than the minimum wage income in the region, and the family life is seriously difficult, and the employee himself can quit; (11) If an employee dies at work and is collected by his successor or legatee, the successor or legatee may withdraw the housing accumulation fund of the deceased employee; (twelve) the employee is a non-local registered permanent residence in agricultural registered permanent residence and terminates the labor relationship with the unit, and the employee himself can withdraw it.
Article 4 Borrowers and their spouses who have applied for provident fund loans from Xi Housing Provident Fund Management Center shall give priority to repaying the principal and interest of housing provident fund loans, and may not apply for non-cancellation withdrawal in any other form before the loans are paid off.