Can a house be taken out of the house ? Housing accumulation fund, I believe this word is no stranger to everyone. In the aspect of purchasing social security, the gold in the five insurances and golds now refers to the housing accumulation fund. But what are the housing accumulation fund conditions? In the process of housing accumulation fund withdrawal should pay attention to? Follow Xiaobian to see it.
The conditions for the withdrawal of housing accumulation funds are issues that many people are very concerned about because it is the key to whether or not our own rights and interests can proceed smoothly. Now many companies will provide housing accumulation fund policies, then how can we use it? Let's learn about it with Xiaobian today.
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Housing fund introduction
The withdrawal of the provident fund refers to the depositor’s withdrawal of the provident fund to the provident fund withdrawal processing department according to the requirements of the provident fund withdrawal, and transfer the amount of the provident fund account to the personal account. The withdrawal of the provident fund is divided into three types: contracted withdrawal, partial withdrawal, and withdrawal.
Housing accumulation fund conditions:
Employees who meet one of the following circumstances, meet the housing accumulation fund withdrawal conditions, can withdraw the storage balance in the employee housing accumulation fund account:
(1) Purchase, construction, renovation or overhaul of self-occupied housing;
(b) retired or retired;
(3) Completely losing his ability to work and terminating the labor relationship with the unit;
(4) Settling out of the country;
(5) Repaying the principal and interest of the purchase of a home loan;
(6) Where the rent exceeds the prescribed proportion of household wage income;
(7) Termination of labor relations with the unit and the relocation of the account from the city;
(8) Termination of labor relations between employees who are not registered in this Municipality and their units, who are not employed in this Municipality and leave this Municipality;
(9) Employees enjoy the minimum living guarantee in urban areas;
(10) The employees have lost part of their working ability and caused serious difficulties in their lives;
(11) Employees and their spouses, parents, and children have special illnesses stipulated by the labor and social security department of Fujian Province (refer to the “Department Documents†section of the CPF website), causing serious difficulties in family life.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, if an employee's housing provident fund is withdrawn, an employee's housing provident fund account shall be cancelled at the same time. Where an employee is dead or is declared dead, the heirs and the bequeathor of the employee may withdraw the stored balance in the employee's housing provident fund account. If there is no heir or no bequeathor, the balance of the employee's housing provident fund account shall be included in the value-added income of the housing provident fund. Where an employee withdraws the balance of storage in the housing accumulation fund account, the unit to which it belongs shall verify it and issue a certificate of withdrawal. Employees should apply for withdrawal of housing accumulation fund from the housing accumulation fund management center. The housing accumulation fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to withdraw or withdraw, and notify the applicant; if the issue is approved, the entrusted bank shall handle the payment formalities.
The extraction conditions of housing accumulation fund contract conditions
The withdrawal of provident fund withdrawal conditions refers to withdrawal of provident fund withdrawals by employees and their spouses who purchase, build, renovate, overhaul self-occupied housing, and repay the principal and interest of housing loans, and submits relevant agreements to be raised later in the provident fund management center. The center will allocate the withdrawal amount to the employee's own bank account according to the agreed time.
Part of the extraction of housing accumulation fund conditions
The withdrawal of the part of the provident fund for withdrawal of the provident fund refers to the withdrawal of the provident fund by the depositor of the provident fund in accordance with the withdrawal requirements of the provident fund. The maximum amount of withdrawal is: 10 yuan in the account.
Extraction of housing accumulation fund withdrawals
1. The conditions for the withdrawal of the accounts that satisfy the withdrawal of the provident fund
(1) Retirement: Retirement certificate or labor department's relevant proofs, extractor's identity card;
(2) The account is moved out of the city: the certificate of moving out of the account issued by the public security department and the ID card of the person who took it out;
(3) Settlement abroad: account cancellation certificate;
(4) Loss of labor ability and termination of labor contract: The employee's loss of labor ability appraisal provided by the labor department and the unit's dissolution of the labor contract certificate and the withdrawal of the identity card;
(5) The migrant workers and the unit terminate their labor relations: provide proof of the account registration and the dissolution of the labor relationship;
(6) When the employee is sentenced to death, life imprisonment or imprisonment upon expiry of his term of service, he shall reach the state's statutory retirement age: a people's court judgment shall be provided;
(7) Workers who died or were declared dead: The employee’s death certificate should be provided. If the inheritor or the bequeathor extracts, it must also provide the notarial department’s notarial deed issued by the people’s court or the people’s court. Book or mediation book.
2. Withdrawal of the cancellation of the withdrawal of the provident fund
The withdrawal of the CPF withdrawal from the CPF is similar to the withdrawal of the bank account. When the withdrawal is processed, the CPF withdrawal request will be submitted to the management department that collects the CPF.
Summary: In this article, Xiao Bian summed up some housing accumulation fund extraction conditions, materials and methods that need to be prepared in the process of applying for extraction. The steps and compliance with conditions in the housing fund withdrawal process have become the most important factor.
Information about the renovation of the house can be collected from the provident fund for everyone to introduce here, I hope this article will be helpful to everyone. If you still have something you don't understand, you can leave a message to Xiaobian at the bottom. We will answer your questions as soon as possible.
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