If you have any of the following circumstances and can provide legal and valid certificates as required, you can consult your unit and apply to withdraw the balance in your housing provident fund account:
1. Withdrawal conditions
1. Purchase, build, renovate or overhaul a self-occupied house with ownership;
2. Retirement or retirement;
3. Complete Loss of working ability or severe disability, which is one of the common situations, and the labor relationship with the unit is terminated or terminated;
4. Those who have settled abroad or settled in Hong Kong, Macao, and Taiwan;
5. Repaying the principal and interest of the loan for purchasing a self-occupied house;
6. The monthly rent of a rental house exceeds 15% of the family’s monthly salary income;
7. Going to the city The labor relationship between the migrant workers and the unit is terminated (terminated);
8. The employee dies or is declared dead;
9. The employee is enjoying the minimum living security for urban residents or special poverty relief benefits ;
10. The employee has terminated the labor relationship with the employer and has not been re-employed for more than one year;
11. If an employee or family member has an accident due to a serious illness, or a major injury occurs Causing difficulties in family life;
12. Causing serious difficulties in family life due to natural disasters or other emergencies.
2. Provide relevant supporting materials
1. Employees should provide their ID cards and copies when applying to withdraw housing provident funds;
2. Purchase pre-sale commercial housing (Including affordable housing), for these groups, the registered "Commercial Housing Pre-Sale Contract" and down payment receipt meet these conditions; for those who purchase second-hand houses, they must provide the "Real Estate Sales Contract" and "Deed Tax Payment Certificate" as basic proof ; If you are purchasing a house after demolition and construction, if you are purchasing this kind of house, you must provide the "Demolition and Construction Agreement" printed by the municipal real estate management department and the payment receipt;
3. Self-built, renovated, If a self-occupied house with property rights is overhauled, if the household falls into this situation, the planning and construction documents or dangerous building appraisal certificate approved by the administrative department of the undertaking bank (we are China Construction Bank), the authoritative department, or the real estate management department, choose one of the two That is, the construction project construction contract signed between the house owner and the construction unit. If there is such a contract, the project budget or final accounts and the original "House Ownership Certificate";
4. Retired or retired, if the resident In this case, the retirement certificate issued by the personnel and labor department should be provided as relevant proof; if the retirement certificate cannot be provided, in special circumstances, the relevant certificate or pension receipt certificate issued by the personnel and labor department should be provided;
5. If employees and family members have difficulty living due to serious illness or serious injury accidents, and their lives are under great pressure, they should provide diagnosis certificates and medical records issued by medical institutions of Grade II A or above, Grade II A or above to be valid. , the patient’s medical insurance card and current treatment fee invoice. If a non-employee is ill, if he or she is not the employee, a marriage certificate or a kinship certificate must also be provided;
6. If the employee completely loses the ability to work or is severely disabled, and the labor relationship with the unit is terminated, the employee no longer exists. For labor relations, you should provide the certificate of termination of the labor relationship with the original unit, that is, the unit where you have worked, the labor capacity appraisal conclusion issued by the city (county) labor capacity appraisal committee, or the hospital certificate;
7. Settling abroad If you are repaying a housing loan, you should provide a certificate of loan balance issued by the loan-issuing bank as of the date of application withdrawal, which must be issued. is issued by the bank.
Among them, if the commercial housing loan is repaid, it is commercial, and the commercial housing loan contract signed by the borrower and the loan-issuing bank should also be provided;
9. Those who enjoy the urban minimum living security should Provide the "Urban Resident Minimum Living Security Certificate" or other valid certificates provided by the labor, trade union and other departments;
10. If paying rent, you should provide the house rental registration record certificate or house rental agreement, both of which are acceptable Choose one and pay the rent invoice and the family income certificate issued by the unit or relevant department;
11. If the family life is seriously difficult due to natural disasters or other emergencies, if the financial pressure is relatively high, you should Provide emergency certificates issued by relevant departments of the people's government at or above the county (district) level, explanations of relevant issues, receipts for large expenditures, and income certificates for employees and other family members.
12. If a migrant worker or employee has a household registration outside the jurisdiction of this city and terminates the labor relationship with the unit where he or she works, the employment relationship no longer exists, and a certificate of termination of the labor relationship with the unit and a household registration certificate should be provided;
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13. If an employee dies or is declared dead, a certificate of death or declaration of death should be provided to prove that he has died. If it is the legal heir of the deceased, the legally effective heir should provide the heir's ID card, household registration book, and legal inheritance certificate; if it is the designated heir or legatee of the deceased, if this is the case, the heir or legatee's certificate should be provided. Notarized certificate of designated inheritance and ID card;
14. If the labor relationship with the unit has been terminated and has not been re-employed for more than one year, or if there is no job, a certificate of termination of the labor relationship with the unit or an "Unemployment Certificate" should be provided;< /p>
15. If you apply to withdraw the housing provident fund conditions for your spouse and immediate family members at the same time, if you are not directly involved, in addition to providing the information required to meet the above withdrawal conditions, these basic necessary materials should also be provided by your spouse and immediate family members. ID cards, marriage certificates, household registration books or kinship certificates and copies of immediate relatives.
16. If you are withdrawing the housing provident fund on behalf of others, that is, if a third party is helping, in addition to providing the materials required to meet the above withdrawal conditions, you must also provide a written power of attorney issued by the withdrawr and the person who is collecting the fund on your behalf. ID card and copy.
3. Receive the transfer
1. If you are at work, you can present the receipt (which you should have when you normally leave your job). You will have these in the HR Personnel Department. , the Finance Department will also review), submit an application to withdraw the housing provident fund to the unit, apply for the unit's help, the unit will verify and prove it, and issue a valid provident fund withdrawal certification document;
2. Then with the receipt The original and copy of the voucher and the provident fund withdrawal certificate issued by the unit, which serves as proof, go to the provident fund management department to apply for withdrawal. The provident fund management department will generally make a decision on whether to approve the withdrawal within 3 days from the date of accepting the application. Yes If it is not approved, the applicant will be notified. If the withdrawal is not allowed upon approval, the provident fund management department will also inform the applicant of the reasons why the withdrawal is not allowed.
3. If the withdrawal is approved, the employee shall present the provident fund with the ID card and the provident fund after approval by the provident fund management department. For such provident fund, the withdrawal certificate will be enough to go to the undertaking bank to complete the withdrawal procedures. When everything is ready, the bank will Transfer the money to your designated account (usually within 3 days).