The latest policy on the withdrawal of housing provident fund, the policy on the withdrawal of housi

According to Article 24 of the Regulations on the Administration of Housing Provident Fund, employees can withdraw the balance stored in the housing provident fund account under any of the following circumstances:

1. Purchasing, constructing, renovating, or overhauling self-occupied housing;

2. Repayment of principal and interest of the loan for the purchase and construction of self-occupied housing;

3. Renting a self-occupied house, and the rent exceeds a certain percentage of the family's salary income;

4. Retired or retired;

5. Those who leave the country to settle down;

6. The employee dies or is declared dead;

7. Those who enjoy the minimum subsistence guarantee in urban areas;

8. Completely or partially incapacitated and terminated the labor relationship with the unit;

9. Other circumstances stipulated by the Management Committee in accordance with relevant laws and regulations.

Summary: Article 25 of the Regulations stipulates that if an employee withdraws the balance in the housing provident fund account, the unit to which he or she belongs shall verify it and issue a certificate of withdrawal. Employees shall apply to the Housing Provident Fund Management Center for withdrawal of housing provident fund with proof of withdrawal.

The Housing Provident Fund Management Center shall, within 3 days from the date of acceptance of the application, make a decision to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall handle the payment formalities.

Conditions for withdrawing housing provident fund.

1.Housing Consumption Extraction:

1) Purchase of owner-occupied housing; overhaul and renovation of self-owned housing; self-built and self-owned housing;

2) The rent exceeds the prescribed proportion of the family's wage income;

3) Repayment of principal and interest of housing loans.

2.Account Closure Withdrawal:

1) Retired or retired;

2) Those who have left the country to settle down;

3) Completely incapacitated and terminated with the employer (both conditions are indispensable);

4) Death. The number (time) requirement for withdrawing the housing provident fund.

1.Take a lump sum payment to purchase an owner-occupied house, which can be withdrawn once a year;

2.If the loan or installment payment method is adopted, it can be withdrawn once a quarter;

3.If the rent exceeds the prescribed proportion of the family's wage income, it shall be withdrawn every month.

Who is eligible to withdraw the housing provident fund (the person, spouse or heir) and the requirements for submitting the documents.

(i) Withdrawal of housing consumption.

1.Employees who take a lump sum payment shall provide a purchase contract or agreement, purchase invoice or receipt for withdrawal.

2.If you purchase a self-occupied house and take a loan or installment payment method, you should provide a loan contract and a down payment invoice for withdrawal.

3.For the construction of self-occupied housing, it is necessary to provide the homestead approval or other building approval materials issued by the planning and housing management department at the township level or above the township or township level, as well as the invoice for the purchase of materials.

4.In the case of overhaul of self-occupied housing, the person living in the bungalow shall provide the repair application submitted by the property owner, the repair certificate issued by the housing management department, and the invoice for the repair fee for withdrawal; Those who live in the building should provide the repair certificate of the property management department and the invoice allocated to the household for withdrawal; Those who live in rural areas should provide the overhaul and renovation certificates and property rights certificates issued by the housing management departments at or above the township or town level and the invoices for the purchase of materials for withdrawal.

5.If the payment exceeds 5% of the employee's salary income in excess of the employee's shared rent, the income certificate and lease contract issued by the unit (referring to the valid contract approved by the housing management department) and the rental payment invoice in the previous year shall be provided.

2) Cancellation of account withdrawal.

2.Those who have settled abroad: passport and visa, certificate of cancellation of household registration and certificate of residence abroad;

3.If the employee loses the ability to work and terminates the labor contract: the appraisal of the employee's loss of working ability and the certificate of termination of the labor contract provided by the labor department.

4.If the employee has applied for a personal savings card for the withdrawal of the housing provident fund before the death of the employee, the legal heir can provide the personal savings card issued by the deceased employee and sign the "Housing Provident Fund Personal Savings Account Schedule" to directly transfer the withdrawal to the account.

This is the latest policy, I hope it can help you.

Legal analysis: the housing provident fund withdrawal policy is mainly the withdrawal conditions of the provident fund, according to the regulations, employees have one of the following circumstances, can withdraw the balance of the housing provident fund account in the employee's housing provident fund account: 1

Purchasing, constructing, renovating, or overhauling owner-occupied housing; 2.retired or retired; 3.Completely lose the ability to work and terminate the labor relationship with the employer; 4.

Those who have left the country to settle down; 5.repayment of principal and interest of the housing loan; 6.The rent exceeds the prescribed proportion of the family's wage income.

Legal basis: "Regulations on the Administration of Housing Provident Fund" Article 24 If an employee has any of the following circumstances, he or she may withdraw the balance stored in the employee's housing provident fund account:

1) Purchasing, constructing, renovating, or overhauling self-occupied housing;

2) Retired or retired;

3) Completely incapacitating the ability to work and terminating the labor relationship with the employer;

4) Those who leave the country to settle down;

5) Repayment of principal and interest of housing loans;

6) The rent exceeds the prescribed proportion of the family's wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, if the employee housing provident fund is withdrawn, 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 balance stored in the employee's housing provident fund account; If there are no heirs or legatees, the balance stored in the employee's housing provident fund account shall be included in the value-added income of the housing provident fund.

The withdrawal of housing provident fund shall be reviewed by the provident fund management center before going through the withdrawal procedures at the bank, and at the same time, you should bring a copy of your ID card, the application form for withdrawal of housing provident fund, the house ownership certificate, the deed tax payment certificate, the commercial housing sales contract and other materials.

Persons in paragraphs 1 and 3 of Article 24 of the Regulations on the Administration of Housing Provident Fund may withdraw the balance in their housing provident fund accounts if they have one of the following circumstances: (1) Purchasing, constructing, renovating old and building houses for self-occupation; 2) Retired or retired; 3) Completely incapacitating the ability to work and terminating the labor relationship with the employer; 4) Those who leave the country to settle down; 5) Repayment of principal and interest of housing loans; 6) The rent exceeds the prescribed proportion of the family's wage income. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the balance stored in the employee's housing provident fund account; If there are no heirs or legatees, the balance in the housing provident fund account of the employee housing service shall be included in the value-added income of the housing provident fund.

Legal analysis: the restriction on the proportion of rent expenditure in household income has been abolished, and there is no need to provide tax payment certificates and lease contracts for the record, and the Ministry of Housing and Urban-Rural Development and other departments have jointly issued new regulations to relax the conditions for employees to withdraw housing provident funds to pay rent. The Ministry of Housing and Urban-Rural Development, the Ministry of Finance, and the Central Bank issued a notice:

If an employee has paid the housing provident fund in full for 3 consecutive months, and he or she and his or her spouse do not have their own housing in the city where they have paid and rent a house, they can withdraw the housing provident fund of both husband and wife to pay the rent.

Legal basis: Regulations on the Administration of Housing Provident Fund

Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and shall not be diverted for other purposes by any unit or individual.

Article 16 The monthly contribution amount of the employee's housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the proportion of the employee's housing provident fund. The monthly contribution amount of the housing provident fund paid by the unit for the employee is the average monthly salary of the employee in the previous year multiplied by the proportion of the housing provident fund contribution of the unit.

Article 24 Under any of the following circumstances, an employee may withdraw the balance stored in the employee's housing provident fund account:

1) Purchasing, constructing, renovating, or overhauling self-occupied housing;

2) Retired or retired;

3) Completely incapacitating the ability to work and terminating the labor relationship with the employer;

4) Those who leave the country to settle down;

5) Repayment of principal and interest of housing loans;

6) The rent exceeds the prescribed proportion of the family's wage income.