Can you take out the housing accumulation fund when you decorate the house? As we all know, with the improvement of our national policies, the legitimate rights and interests of employees are also very protected. Can the housing accumulation fund with five insurances and one fund be withdrawn? What materials should be prepared for taking out the housing accumulation fund?
1、 Can housing accumulation fund be taken out?
According to the relevant provisions of Article 24 of the "housing accumulation fund management regulations", if you want to withdraw the housing provident fund, you need to meet certain conditions. For example, when the depositor of the housing accumulation fund has the demand in the housing aspect, or has the use permitted by other policies, it can withdraw the housing accumulation fund deposited in the personal account.
And these situations mainly include: purchase or construction of self housing, repayment of loan principal and interest, retirement or retirement, complete or partial loss of labor capacity, and termination of labor relations with the unit.
2、 How to take out housing provident fund?
1. First of all, I need to provide my personal real ID card and its copy, and I need to provide different and corresponding proof materials according to the different purposes of withdrawing the housing provident fund. After that, I need to get and fill in the application form for withdrawal of housing accumulation fund from the unit where I am, and pay attention to stamping the reserved seal of the unit to ensure the effectiveness.
2. The second step is to take the certificate, application form and the corresponding proof materials mentioned above to go to the housing provident fund management department where the employee originally deposited the provident fund.
3. The third step, after the local housing provident fund management department audit, confirm whether your situation meets the housing provident fund extraction conditions, and determine whether the proof materials submitted are true and legal.
4. If the documents you provide are not complete, you need to apply for supplement as soon as possible; if your application conditions meet, personal information is filled in correctly, and the identity is also true, the provident fund management center will allow you to withdraw the requirements, and tell you to go to the corresponding bank to handle payment procedures; If you do not have the application conditions, the provident fund management center will also inform you, and will inform you in the notice of the specific reasons for unable to extract housing provident fund.
5. In general, after you put forward the demand for withdrawal of the housing provident fund, the housing provident fund management center needs to complete the review within 3 working days from the date of your application, and will inform you of the results as soon as possible.
6. After the housing provident fund management department reviews your application, and if it passes the examination, you need to provide the personal savings account number of the designated bank. After the housing accumulation fund management department will handle the withdrawal procedures of housing accumulation fund.
7. When the housing provident fund management department completes the withdrawal procedures of housing provident fund, the amount you apply for withdrawal will be transferred into the account provided by you. And after that, as long as you go to the bank by yourself, you can withdraw the housing provident fund with the bank card.