1. If the housing accumulation fund is used for the purchase, construction or renovation of housing, and the employees and their family members have only one set of housing in total, the balance shall not exceed the total price;
2. Retired;
3, completely lose the ability to work, and terminate the labor relationship with the unit;
4. The male is over 50 years old or the female is over 45 years old, unemployed and the housing provident fund account has been sealed for two years;
5. Settled abroad or in Hong Kong, Macao and Taiwan;
6. The household registration moves out of this city;
7, the household registration is not in the city and has gone through the formalities for the transfer of basic old-age insurance or basic medical insurance;
8. Enjoy the minimum living guarantee for residents;
9. The employee dies or is declared dead.
Provisions of Shenzhen Municipality on the Administration of Housing Provident Fund Extraction
Fifth employees and their family members have one of the following housing consumption situations, employees can apply for withdrawal of housing provident fund in accordance with the provisions:
(a) the purchase of housing (including commercial housing, policy housing or affordable housing, the same below);
(2) payment of rent;
(three) to repay the principal and interest of the loan for the purchase of housing within the city;
(four) the construction, renovation and overhaul of houses within the city;
(5) Other housing consumption.
Seventh extraction of housing provident fund for the purchase of housing, workers themselves and their family members only have one set of housing, the amount of extraction does not exceed the account balance, and does not exceed the total purchase price; If employees and their family members own two or more houses, the withdrawal amount shall not exceed 60% of the account balance, and shall not exceed the total purchase price; From September 30th, 20 10, if employees and their family members buy the third or more houses (including those in other places), they will not take out the third or more houses.
If housing provident fund is withdrawn for housing construction, renovation and overhaul within the scope of this Municipality, the withdrawal amount shall be implemented in accordance with the provisions of the preceding paragraph.
The actual expenditure of employees in the total purchase price is calculated according to the ownership certificate of real estate registered by the real estate registration department of this Municipality or the share of the obligee specified in the purchase contract; If the share is not clear, it shall be calculated on average according to the number of right holders listed in this set of housing real estate ownership certificate or purchase contract registered by the real estate registration department of this Municipality.
Eighth housing provident fund to pay rent, employees and their family members in the city within the scope of commercial housing, policy housing and affordable housing, the monthly withdrawal amount does not exceed 50% of the amount payable in the month of application. If it is not extracted in the current year, it can be extracted cumulatively in subsequent years.
If the employees mentioned in the preceding paragraph withdraw through the counter of housing provident fund outlets, they shall apply for withdrawal no more than twice a year; Employees can apply for withdrawal once a month from 2014110/.
Article 9 If the housing provident fund is withdrawn to repay the principal and interest of the housing loan within the scope of this Municipality, when the total amount of employees and their family members is only 1 house, the monthly withdrawal amount shall not exceed the actual monthly repayment amount of employees themselves; Workers and their family members have two or more houses in total, and the monthly withdrawal amount shall not exceed 60% of the amount payable in the month of application, and shall not exceed the actual monthly repayment amount; From September 30th, 20 10, if employees and their family members buy the third or more houses (including those in other places), they will not take out the third or more houses.
The employee himself or his family members shall be the right holder of the house that shall repay the loan principal and interest specified in the preceding paragraph.
In the first paragraph of this article, if the employee chooses to repay the loan on a monthly basis, it will be withdrawn once a month; If you do not choose to entrust monthly repayment, you should apply for withdrawal once a year, and the withdrawal application should be made within two years from the date of each repayment.
The monthly withdrawal amount stipulated in this article shall be determined by the provident fund center according to the repayment data provided by the employee housing loan bank or the credit information system.
Tenth housing provident fund for other housing consumption, the monthly withdrawal amount shall not exceed 30% of the amount payable in the month of application. If it is not extracted in the current year, it can be extracted cumulatively in subsequent years.
The workers mentioned in the preceding paragraph shall apply for withdrawal once a year through the counter of housing provident fund outlets; Employees can apply for withdrawal once a month from 2014110/.
Eleventh in any of the following circumstances, employees can apply for withdrawal of housing provident fund in accordance with the provisions:
(1) Retirement;
(two) completely lose the ability to work, and terminate the labor relationship with the unit;
(3) Men over 50 years of age or women over 45 years of age, unemployed and the housing provident fund account has been sealed for two years;
(four) settled abroad or in Hong Kong, Macao and Taiwan;
(five) the household registration moved out of the city;
(six) the household registration is not in this city and the basic old-age insurance or basic medical insurance relationship transfer procedures have been handled;
(seven) enjoy the minimum living guarantee for residents;
(eight) the employee himself or his family members suffer from serious diseases.
Twelfth in accordance with the provisions of article eleventh (a) to (seven), employees can apply for the withdrawal of all the balances in the housing provident fund account; In accordance with the provisions of items (1) to (6) of Article 11, the employee housing provident fund account shall be sealed first. After withdrawing all the balance of the housing provident fund account, the employee housing provident fund account shall be cancelled.
In accordance with the provisions of article eleventh (eight), employees can withdraw housing provident fund to pay for the current hospitalization related self-funded treatment costs.
Article 13 If an employee dies or is declared dead, the employee's heirs and legatee may apply for withdrawing all the balance in the employee's housing provident fund account and cancel the employee's housing provident fund account.