Extraction condition

Conditions for me and my spouse to withdraw housing provident fund:

1, purchase, build, renovate and overhaul owner-occupied houses with property rights;

2. Repay the principal and interest of the house purchase loan;

3, lease the city housing for self-occupation.

Conditions for withdrawing my housing provident fund:

1, returned, returned;

2, completely lose the ability to work, and terminate the labor relationship with the unit;

3. Go abroad to settle down;

4, enjoy the minimum living guarantee for urban residents in this city;

5, and the termination of labor relations with the city units for 2 years (including 2 years) above have not been re employed;

6, the household registration moved out of the city or the household registration is not in the city, and the labor relationship with the city unit left the city;

7. The employee himself or his immediate family members suffer from serious diseases, causing serious difficulties in family life;

8, migrant workers and units to terminate the labor relationship.

Under what circumstances can't I withdraw the housing provident fund?

Interim Provisions of Wuhan Municipality on the Administration of Housing Provident Fund Extraction (Original)

Extraction process

1, employees go to the bank or unit where the housing provident fund is deposited to collect and fill in the Application Form for Withdrawal of Housing Provident Fund (employees also fill in the Application Form for Repayment of Commercial Housing Loan from Housing Provident Fund);

How to extract Wuhan housing provident fund? (Non-house purchase version)

Wuhan Housing Provident Fund Extraction Process (House Purchase and Rent Edition)

Sample of Wuhan Housing Provident Fund Withdrawal Application Form (with download link)

2. When an employee applies to the unit for withdrawing the housing provident fund, the unit should carefully verify and prove the authenticity of the reason for withdrawal, and sign an opinion on the Application Form for Withdrawing the Housing Provident Fund and affix the official seal of the unit (if the employee repays the commercial loan, it needs to go to the loan bank for confirmation);

3, the workers hold the "housing provident fund withdrawal application form" and related information to the management center and its branches or deposit bank for the withdrawal of audit procedures;

4, the management center and its branches or bank in accepting the application for employee extraction, after examination and approval, should be in the "housing provident fund extraction application form" signed consent; If there is any doubt after examination, the relevant extraction certification materials shall be retained, and a decision on approval or disapproval of extraction shall be made within 3 working days, and the applicant shall be notified;

Wuhan Provident Fund Withdrawal Voucher (Sample+Download)

5. After the management center and its branches or the opening bank have passed the examination and approval, the employees shall issue the certificate of housing provident fund extraction to their units with the "Application Form for Housing Provident Fund Extraction" that has passed the examination and approval, and go through the extraction procedures at the opening bank;

6. If the withdrawal amount exceeds 6,543,800 yuan (including 6,543,800 yuan), the owner-occupied housing will be built, renovated or overhauled, and the employees' families will enjoy the minimum living guarantee for urban residents in this city. The family life of the employees or their spouses and children will be particularly difficult due to major diseases, and the employees' families will be particularly difficult due to fires and earthquakes. If the housing provident fund is deposited in the bank to purchase the self-owned housing provident fund, it must go to the management center or the management center or its branches.

Handling location:

1, Wuhan Provident Fund Management Center

Wuhan housing fund management center

Address: Jinghan Avenue 1248

Wuhan housing fund management center Wuchang branch

Address: near No.201Luo Yu East Road.

Wuhan housing fund management center hanyang branch

Address: Hanyang District, Wuhan

Wuhan housing fund management center university branch

Address: Floor B 1-2, Hubei Science and Technology Venture Building, No.34 Xiaohong Shandong District, Wuchang District

Wuhan housing fund management center Hankou branch

Address: Dongxihu District, Wuhan

Wuhan housing fund management center provincial branch

Address: No.66 Hongshan Road

Jianghan Oilfield Housing Fund Management Center Wuhan Office

Address: No.0/8, Daxueyuan Road, Donghu High-tech Development Zone

Wuhan housing fund management center railway branch

Address: Wuchang District, Wuhan, Hubei Province

Wuhan Housing Fund Management Center Railway Branch (Youyi Avenue)

Address: Friendship Avenue 13 and 17.

2, Wuhan provident fund handling bank outlets

Address and telephone number of Wuhan housing provident fund withdrawal bank (Daquan)

Extract material

Housing category

1. If the first self-occupied house is purchased and the purchase price has not been paid in full, the information required for this withdrawal procedure:

(1) Application Form for Housing Provident Fund Extraction and Wuhan Housing Provident Fund Extraction Certificate audited and sealed by the unit;

(2) The original and photocopy of my ID card;

(3) The original and photocopy of my housing provident fund deposit certificate (housing provident fund account book or joint card);

(4) Name, line number and account number of the selling unit;

(5) The original and photocopy of the down payment receipt;

(6) Requirements related to house purchase (the purchase of commercial housing and affordable housing is based on the house purchase contract that has been filed in the real estate department; Housing reform to buy a house requires the "approval letter for selling houses" and the purchase agreement of the Municipal Housing Reform Office, the fund approval form and the purchase agreement of the Provincial Housing Reform Office; The original and photocopy of the fund-raising agreement of the municipal real estate bureau or the provincial competent department shall be provided for the purchase of fund-raising housing.

2. Purchase the first self-occupied house, and the purchase price has been paid in full to extract the required information:

(1) Application Form for Housing Provident Fund Extraction and Wuhan Housing Provident Fund Extraction Certificate audited and sealed by the unit;

(2) The original and photocopy of my ID card;

(3) The original and photocopy of my housing provident fund deposit certificate (housing provident fund account book or joint card);

(4) The original and photocopy of the real estate license and the state-owned land use certificate;

(5) The original and photocopy of the full purchase invoice or official receipt.

Wuhan Housing Provident Fund Extraction Materials (House Purchase and Rental Edition)

Non-housing category

1. Information required for employees to withdraw housing provident fund due to retirement or cancellation:

(1) Application Form for Housing Provident Fund Extraction and Wuhan Housing Provident Fund Extraction Certificate audited and sealed by the unit;

(2) The original and photocopy of my ID card;

(3) The original and photocopy of my housing provident fund deposit certificate (housing provident fund account book or joint card);

(4) My Retirement Certificate or the Retirement Certificate issued by the labor and personnel department. If I have not obtained a retirement certificate, the age indicated on my ID card should reach the statutory retirement age stipulated by the state (male employees should be 60 years old and female employees should be 55 years old), and the labor and personnel department of my unit will issue a certificate.

2, workers completely lose the ability to work and terminate the labor relationship with the unit to extract the information needed for housing provident fund:

(1) Application Form for Housing Provident Fund Extraction and Wuhan Housing Provident Fund Extraction Certificate audited and sealed by the unit;

(2) The original and photocopy of my ID card;

(3) The original and photocopy of my housing provident fund deposit certificate (housing provident fund account book or joint card);

(4) The original and photocopy of the disability certificate issued by the hospital above the municipal level;

(5) The original and photocopy of the agreement to terminate the labor relationship with the unit.

3. Information required for the termination of labor relations between employees and units in different places in China and the withdrawal of housing provident fund from households:

(1) Application Form for Housing Provident Fund Extraction and Wuhan Housing Provident Fund Extraction Certificate audited and sealed by the unit;

(2) The original and photocopy of my ID card;

(3) The original and photocopy of my housing provident fund deposit certificate (housing provident fund account book or joint card);

(4) The original and photocopy of the agreement to terminate the labor relationship with the unit.

Complete materials: What are the extraction materials of Wuhan housing provident fund? (Non-house purchase version)

Withdrawal limit

1. If I meet the conditions for withdrawing housing provident fund, I can withdraw all the principal and interest balance in the employee housing provident fund account and cancel my personal housing provident fund account at the same time.

2. If an employee purchases the first self-occupied house and does not choose to use the housing provident fund loan, both husband and wife of the employee are allowed to withdraw 1 time from the house every three years (excluding the amount below 100 yuan):

(1) If the employee or spouse fails to pay the house price when purchasing the first self-occupied house, it shall be transferred at 1 times from the date of signing the house purchase contract or agreement to the final payment date agreed in the house purchase contract or agreement; If the transfer withdrawal amount does not exceed 70% of the total purchase price, it can be withdrawn again with full invoice or official receipt, house ownership certificate and state-owned land use certificate three years after the first transfer withdrawal, and the cumulative withdrawal amount does not exceed 70% of the total purchase price;

(2) If the employee or spouse pays off the purchase price of the first suite in full with their own funds, they can withdraw 1 time every three years with the full invoice or official receipt, real estate license and state-owned land use certificate, and the total withdrawal amount shall not exceed 70% of the total purchase price;

(3) Employees or spouses who purchase self-occupied houses as second-hand houses can withdraw 1 time every three years with the transferred house ownership certificate, state-owned land use certificate and paid deed tax invoice, and the total amount of withdrawal shall not exceed 70% of the taxable house price on the paid deed tax invoice.

(4) If you choose to use a commercial loan to buy a self-occupied house and the loan has not been paid off (limited to buying a house in this city), you can transfer the loan 1 time every three years after the loan is issued and repaid normally (transferred to the bank savings account where the borrower agrees to repay), and the total amount withdrawn by employees and spouses each time shall not exceed the sum of the monthly repayment amounts due in the previous three years (36 installments) until the balance of the commercial loan is settled.

3. If the monthly rent exceeds 20% of the family's monthly wage income, during the lease period when the housing lease agreement is signed, the housing accumulation fund shall be withdrawn every year 1 time, and the total amount withdrawn by employees and spouses shall not exceed the difference after deducting 20% of the family's wage income during the lease period. The maximum monthly withdrawal amount for single employees shall not exceed 600 yuan, and that for couples shall not exceed 800 yuan.

4. If the municipal government rents low-rent housing, the housing accumulation fund shall be withdrawn every year 1 time during the lease period, and the total withdrawal of employees and spouses shall not exceed the lease fee during the lease period.

5. Workers or their spouses who build, renovate or overhaul self-occupied housing can withdraw the housing provident fund at one time within 1 year from the date of issuance of the construction project planning permit or the notice of dangerous housing, and the total amount of withdrawal (excluding the amount below 100 yuan) shall not exceed the actual expenditure of building, renovating or overhauling self-occupied housing.

6. If the paid employees, their spouses and children suffer from serious diseases, they shall withdraw the housing accumulation fund at one time within 1 year from the date of hospitalization or discharge, and the total amount of withdrawal (excluding the amount below 100 yuan) shall not exceed the total amount of medical expenses actually paid by individuals (excluding the part paid by the unit for reimbursement or medical insurance).

7. If family life is particularly difficult due to fire, earthquake, etc., the housing provident fund shall be withdrawn in one lump sum within 6 months from the date of the accident or disaster, and the total amount of withdrawal shall not exceed the total loss actually borne by the individual (excluding insurance compensation).

8. Before the promulgation of these Provisions, employees and their spouses who purchase their own occupied houses in full with their own funds are allowed to withdraw 1 time from the house within three years of purchase (subject to the registration time of the real estate license), but they do not enjoy the policy of withdrawing 1 time every three years.

Extraction time

For users who withdraw for the first time, the arrival time is within three working days after the withdrawal time specified in the Confirmation Sheet for Agreed Withdrawal of Housing Provident Fund.

The arrival time of each subsequent withdrawal is within three working days from the agreed withdrawal date calculated by the withdrawal period.