Although the house price has been rising and not falling, it still does not dispel people's enthusiasm for buying a house. Many people think of using the provident fund to buy a house. However, some people do not want to use the provident fund to buy a house and want to use it for other purposes, but they don't know how to withdraw it, So today Xiaobian will lead you to see how to raise the provident fund without buying a house? What are the conditions for buying a house and using the provident fund?
How to raise the provident fund if you don't buy a house?
According to Article 24 of the regulations on the administration of housing provident fund, an employee may withdraw the balance stored in the employee's housing provident fund account under any of the following circumstances: purchase, construction, reconstruction and overhaul of self occupied housing; Retired or retired; Completely losing the ability to work and terminating the labor relationship with the unit; Leaving the country for settlement; Repaying the principal and interest of the house purchase loan; The rent exceeds the specified proportion of the family's wage income.
In accordance with the provisions of the preceding paragraph, if an employee's housing accumulation fund is withdrawn, the employee's housing accumulation fund account shall be cancelled at the same time. If an employee dies or is declared dead, his successor or legatee may withdraw the balance stored in the employee's housing provident fund account; If there is no successor or legatee, the balance stored in the employee's housing provident fund account shall be included in the value-added income of the housing provident fund.
What are the conditions for buying a house and using the provident fund?
Personal housing provident fund loan personal housing provident fund loan refers to the special housing consumption loan issued to employees participating in the housing provident fund system with the housing provident fund as the source of funds and directed for the purchase, construction, reconstruction and overhaul of their own houses. Self owned housing purchased by employees includes commercial housing, affordable housing, private property housing, fund-raising housing, dilapidated housing, and public housing.
The employees of the loan object who have paid the housing provident fund can apply for the housing provident fund loan when purchasing, constructing, renovating and overhauling their own houses. The basic conditions of the loan need to have urban permanent residence or valid residence status; Have stable occupation and income; Good credit and the ability to repay the loan principal and interest on schedule.
The loan limit is different from the maximum loan limit stipulated by the municipal housing provident fund management center. Please consult the local housing provident fund management center when making a loan. Loan term the loan term formulated by the municipal housing provident fund management center is different, generally up to 10 years and up to 20 years. Please consult the local housing provident fund management center when making a loan. Information to be provided; Legal identity documents; Housing provident fund savings card and borrower's name seal;