(A) basic conditions:
1, on time, full payment of housing fund for more than 9 months, and personal housing fund account opened for more than 9 months.
2. The organization shall not be in arrears in the payment of housing provident fund
3. Except for custodial employees, the housing provident fund account shall be in a normal contribution status.
(2) Housing consumption withdrawal conditions
1, purchase, construction, renovation, major repair with ownership of owner-occupied housing
2, repayment of the principal and interest of the loan for the purchase of owner-occupied housing
3, I and my spouse do not own housing, rental housing, monthly rent exceeds the prescribed proportion of the family's monthly salary income
4, payment of public **** Leased housing rent
(C) cancellation of the withdrawal conditions
1, retirement, retirement
2, total loss of working capacity, and termination of the labor relationship with the unit
3, out of the country to settle in Hong Kong, Macao, Taiwan, or settle in Hong Kong, Macao, Taiwan
4, termination of the labor relationship with the unit, and the account is moved out of the city or household is not in the city
(D) the purchase of housing withdrawal conditions
1, the purchase of commercial housing to withdraw housing fund withdrawal conditions:
a. Cash purchase of ownership of commercial housing and not handle the purchase of housing loans
b. Employees withdrawing housing fund should be paid on time, in full, more than one year of housing fund, and the unit shall not be in arrears in the payment of housing fund;
< Expanded Information:
Employees meet the following In one of the following cases, the employee can withdraw part or all of the stored balance in his/her housing fund account:
(1) purchase, construction, renovation, or overhaul of his/her self-occupied housing;
(2) retirement;
(3) total loss of working ability and termination of the working relationship with his/her organization;
(4) departure for settlement in Hong Kong, Macao, Taiwan or other countries;
(e) repayment of the principal and interest of a loan for the purchase of owner-occupied housing;
(f) rent exceeding a prescribed percentage of the family's wage income;
(g) termination of the labor relationship with the unit and the household registration has been moved out of the city or the household registration is not located in the city;
(h) enjoyment of the minimum subsistence guarantee for urban residents;
(ix) the male employee has reached the age of 55, (ix) Male workers aged 55 or above and female workers aged 45 or above who have been unemployed for more than two consecutive years and have difficulties in family life;
(x) Those who have lost their ability to work partially or completely or have encountered sudden events that have caused serious difficulties in family life;
(xi) Those who have suffered from a major illness that has caused serious difficulties in family life for themselves or their spouses;
(xii) Those who have fulfilled other circumstances stipulated by the Provident Fund Management Committee. circumstances.
If one of the circumstances in (1), (5) and (6) of the preceding paragraph is met, and the withdrawal of the stored balance in the account of the housing provident fund of the person himself cannot fulfill the use, the spouse can withdraw the stored balance in the account of the housing provident fund of the person himself;
If one of the circumstances in (8) and (10) of the preceding paragraph is met, the spouse can withdraw the stored balance in the account of the housing provident fund of the person himself.
Reference: