We know that the withdrawal of provident fund is conditional and limited. Generally, the housing provident fund can be withdrawn when buying a house. Someone asked, can the housing provident fund be withdrawn when renting a house? How can the housing provident fund be withdrawn when renting a house? Let's explain the procedures of withdrawing the provident Fund for renting a house in detail.
Procedures for withdrawing provident fund for rental
[undertaker]: Housing Fund Management Center
[matters to be handled]: withdrawal of housing rental fund
[consultation telephone]: 12329
Can I withdraw the provident fund for renting?
According to the regulations on the administration of housing provident fund promulgated and implemented by the State Council, if the rent exceeds the prescribed proportion of the family wage income, the housing provident fund can be applied for. In short, the housing rental can be withdrawn from the provident fund, but it must exceed the specified proportion of family wage income.
Information required for housing rental and withdrawal of provident fund:
1. House lease contract;
2. ID card;
3. Housing fund card;
4. Rental invoice.
[note]: due to the actual situation in different regions, the data of housing rental and provident fund shall be extracted according to the regulations of each region.
How to withdraw the provident fund?
The procedures for withdrawing the housing fund are relatively simple. The agent or applicant of the unit can go to the housing fund management center with the required information to handle the procedures. If the general information is complete and meets the requirements, it can be handled successfully. However, due to the actual situation in different regions, the handling process needs to be implemented according to the regulations of each region.
Allocation of housing rental Fund: the allocation shall be implemented according to the regulations of each region. For example, in Huizhou region, the amount that can be withdrawn for the housing rental market of the deposited employees is the part that the monthly rent exceeds 15% of the monthly income of the family and does not exceed the amount actually incurred and the invoice amount. However, the withdrawal limit of the leased public rental housing shall not exceed the amount actually incurred.
[latest policy: the conditions for housing rental to withdraw provident fund are relaxed]
According to the regulations on the administration of housing accumulation fund in China, if the rent of the people who have paid the housing accumulation fund exceeds the specified proportion of the family wage income, they can apply for drawing the housing accumulation fund. However, when handling the procedures of withdrawing the accumulation fund for rental housing, it is not only required to meet certain deposit standards, but also to provide the housing lease contract, rental fee invoice, etc. Therefore, for those who have reached the deposit standard, can not provide the rental invoice, and the rent fee does not exceed the proportion of family income, it is an unexpected thing to withdraw the provident fund to pay the rent.
In order to expand the extraction scope of housing accumulation fund, improve the utilization rate of housing accumulation fund, and effectively protect the legitimate rights and interests of the staff who pay the housing accumulation fund, the Ministry of housing and urban rural development of China jointly issued a document jointly with the Ministry of Finance and the central bank to relax the extraction conditions for renting housing accumulation fund. In the future, the staff who have no housing (in the city where there is no self owned housing and who rent housing) should pay the accumulation fund for three months in a row No rent invoice or tax invoice is required, but the housing fund can also be withdrawn to pay the rent. For general rental of public rental housing, it is required to provide housing lease contract and rent payment certificate, which shall be withdrawn in full according to the actual rent expenditure. For commercial housing rental, the certificate of no real estate under the name of the owner and his / her spouse shall be provided. The local housing fund management committee shall determine the amount of housing rental according to the local market rent level and housing area.
At the same time, in order to improve the efficiency of the withdrawal audit of the housing provident fund management center, it is also required that the withdrawal application materials of the deposited employees are complete and should be handled immediately after the audit is correct. If it is necessary to further verify the application data, it shall be completed within 3 working days from the date of acceptance of the application. The real estate management department will not charge any fee if the real estate information query result certificate is required to be issued when the housing fund is withdrawn.
However, it should be noted that deregulation does not mean deregulation. For fraudulent withdrawal and arbitrage behaviors such as falsifying contracts, issuing false certificates and fabricating false leases, the housing fund management center will notify the working units of the employees, recover the fraudulent withdrawal and arbitrage funds, cancel the qualification of employees to withdraw the housing fund and apply for the personal housing loan of the housing fund within a certain period of time, and publicize the relevant information to the society according to law and incorporate it into the credit system; Institutions and personnel assisting in counterfeiting shall be dealt with seriously; if a crime is constituted, criminal responsibility shall be investigated according to law.