I. Extraction conditions
In any of the following circumstances, employees may withdraw the storage balance in the housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(five) to repay the principal and interest of the purchase of owner-occupied housing loans;
(six) the rent exceeds the prescribed proportion of family wage income;
(seven) workers with difficulties in life are receiving the urban minimum living allowance;
(eight) encounter other emergencies, causing serious difficulties in family life;
(nine) the termination of labor relations between migrant workers and units;
(10) The employee is sentenced to death, life imprisonment or fixed-term imprisonment during his/her employment, and reaches the national legal retirement age;
(eleven) the employee is dead or declared dead;
(twelve) other circumstances stipulated by the CMC.
Second, the withdrawal amount and withdrawal period
Principles for determining the withdrawal amount:
(a) employees buy commercial housing, affordable housing, cooperative housing, fund-raising housing, low-rent housing, rebuild resettlement houses, standard rent private houses, second-hand houses, and the amount of housing provident fund that buyers can withdraw is calculated according to the following principles:
1. The main buyer determines the withdrawal limit according to the house price, the share of property rights and the spouse's withdrawal ability, in which the main buyer refers to the first person who signs the house purchase contract or loan contract from the left. Details are as follows:
(1) The main purchaser determines the withdrawal limit for himself and his spouse, and the total amount shall not exceed the actual housing expenditure;
(2) If the main purchaser is unmarried, the extractable limit is generally determined according to the 100% share of the actual housing expenditure;
(3) If there are multiple buyers in the contract who are not spouses, the extractor shall provide notarized certificates issued by relevant departments, and determine the extractable limit according to their share of property rights.
2. If the spouse or other purchaser recorded in the purchase contract withdraws the housing provident fund, it shall provide a notarial certificate issued by the relevant department, and determine the withdrawal limit according to its share of property rights.
3, workers buy rebuild resettlement houses, the total purchase should be deducted from the demolition compensation.
(2) In case of overhaul and renovation of workers' self-occupied housing, provide the overhaul and renovation certificate and property right certificate issued by the housing management department at or above the township level where the workers are located. The extractable amount of employee housing provident fund is subject to the detailed invoice of purchased materials or the invoice of expenses allocated to individuals, excluding the invoice amount of purchased decoration materials.
(3) If the employees build their own houses, provide the certification documents for the approval of homestead or building issued by the planning and housing management departments at or above the township level where the employees are located. The withdrawal amount of employee housing provident fund shall be based on the invoice of construction costs such as purchasing materials, excluding the invoice amount of purchasing decoration materials.
(4) If the employee's rent exceeds the specified proportion of family wage income, the withdrawal amount of the main renter shall be determined first, and then the withdrawal amount of the spouse or other renter shall be determined, in which the main renter refers to the lessee who is the first person from the left in the rental contract. The total extractable amount is automatically calculated by the system according to the input monthly rent amount and annual household income. The calculation formula is: extractable amount = monthly rent amount * 12- annual household income *5%, in which "household income" should comply with the Provisions on Seriously Implementing the Composition of Total Wages issued by the National Bureau of Statistics (statistical word [1990]65430.
(5) If one of the husband and wife has deposited the housing provident fund in the city center, Beijing Housing Provident Fund Management Center Central State Organs Sub-center (hereinafter referred to as the State Administration Sub-center) and Beijing Railway Sub-center of Beijing Housing Provident Fund Management Center (hereinafter referred to as the Railway Sub-center), the withdrawal amount of the other party shall be subject to the information recorded in the withdrawal record provided by the other party; If one of the husband and wife deposits the housing provident fund in the housing provident fund management center of other provinces and cities, the withdrawal amount of the other party shall be subject to the "Withdrawal Record Form" or relevant certification materials provided by the other party.
Extraction cycle:
(1) Employees who purchase, build, renovate or overhaul their own houses without using housing loans shall withdraw the housing provident fund once a year, and the accumulated withdrawal amount shall not exceed the actual housing expenditure.
(II) If employees use housing loans to purchase, build, renovate or overhaul occupied housing to withdraw housing provident fund, and employees and their spouses borrow to purchase affordable housing and other policy-oriented housing, they can withdraw it once every quarter, and in other cases, once a year. The total amount of withdrawal shall not exceed the housing expenditure actually incurred in the purchase, construction, renovation and overhaul of occupied housing.
(3) If the employee's rent exceeds the specified proportion of the family wage income, the employee and his spouse may withdraw the housing provident fund once a year, and the total amount of the annual withdrawal shall not exceed the part where the total annual rent exceeds the specified proportion of the family's annual wage income.
(four) workers with difficulties in life are receiving urban subsistence allowances. In case of other emergencies, which lead to serious difficulties in family life, they can withdraw housing provident fund once a month without the limit.
(5) If an employee meets the conditions in Items (2), (3), (4), (9), (10) and (11) of the withdrawal conditions, he may withdraw all the storage balance in his housing provident fund account and cancel his personal housing provident fund account.
Three. Materials to be extracted (all required materials are originals and photocopies, and the date of invoice or receipt provided should be 200 1 September1future. )
(a) the use of its own funds to buy, build, rebuild, overhaul occupied housing
1. Purchase self-occupied housing such as commercial housing, affordable housing, cooperative housing, fund-raising housing and low-rent housing. : provide purchase contract or purchase agreement, purchase invoice and return ID card;
2. Purchase of dangerous houses: provide the demolition agreement, purchase invoice and ID card of the extractor;
3. Employees who purchase standard rented private houses shall provide relocation agreement (or vacate agreement), purchase invoice and ID card of the extractor;
4. When employees buy second-hand houses, they should provide real estate license, deed tax payment certificate and ID card of the extractor;
5. Employees who purchase public houses of their own units: provide the purchase contract or agreement, purchase invoice or receipt, and the ID card of the extractor;
6. Overhaul or renovation of self-owned houses (excluding renovated houses): provide the overhaul certificate and title certificate of the house management or property management department, detailed invoices for purchased materials or invoices for expenses allocated to individuals, and ID card of the extractor;
7. Self-built self-owned housing: provide planning documents, house site approval or building approval from the housing management department, detailed invoices for purchase materials and other construction costs, and ID card of the extractor;
8. vacate the old house and buy a new house: provide the new house purchase contract, the price evaluation report and the sales agreement for the sale of the old house, and the ID card of the extractor;
9. Purchase by stages: provide the purchase contract or agreement, payment invoice or receipt, and the drawer's ID card. The withdrawal limit is the amount of the invoice or receipt provided at that time, and the limit can be changed after a new payment invoice or receipt is available until the house payment is paid in full. The withdrawal limit is the amount listed in all valid invoices or receipts.
(two) loan purchase, construction, renovation, overhaul occupied housing.
1. Where commercial loans or housing provident fund loans from other housing provident fund management centers are used to purchase, build, renovate or overhaul self-occupied housing, the loan contract and the owner's ID card shall be provided;
2. To purchase, build, renovate or overhaul self-occupied housing by using the housing provident fund loan of the Central Branch Center, you only need to provide the personal loan certificate of the Central Branch Center issued by the Comprehensive Planning Department of the Central Branch Center.
If the lender is the name of both husband and wife, in addition to the above materials, a marriage certificate is also required when handling the withdrawal of housing provident fund. If the spouse housing provident fund withdrawal record cannot be provided, the withdrawal limit is 50% of the total house price.
(three) the rent exceeds the prescribed proportion of family wage income.
1. For renting public housing or low-rent housing: lease contract, rent invoice or receipt, income certificate of the tenant couple and ID card of the extractor are required;
2. Renting private houses: In addition to the above materials, the housing lease permit handled by the housing lease approval department for the lessor shall also be provided.
(4) Special case extraction
1. If an employee has difficulties in living and is receiving urban subsistence allowance to withdraw housing provident fund, he/she shall provide the ID card of the extractor and the Certificate of Beijing Urban Residents' Minimum Living Guarantee;
2. In case of other emergencies, which cause serious difficulties in family life to withdraw the housing provident fund, the ID card of the extractor, the certification materials issued by the unit or the street and other required certification materials shall be provided.
(5) the cancellation of the cancellation account
1. Retirement: retirement certificate or relevant certificate of the labor department, and the ID card of the extractor;
2. If the registered permanent residence moves out of this city: the registered permanent residence move-out certificate issued by the public security department and the ID card of the extractor;
3. Settle abroad: certificate of cancellation of household registration;
4. Loss of labor ability and termination of labor contract: identification of employees' loss of labor ability provided by the labor department, certificate of termination of labor contract by the unit, and withdrawal of ID card;
5. Termination of labor relations between migrant workers and their employers: provide household registration certificate and termination of labor relations certificate;
6. If an employee is sentenced to death, life imprisonment or fixed-term imprisonment during his/her service, and reaches the statutory retirement age of the country: provide a judgment of the people's court;
7. The employee is dead or declared dead: the employee's death certificate shall be provided. If the heir or legatee withdraws it, it shall also provide a notarial certificate issued by the notary department or a judgment, ruling or mediation made by the people's court.
Fourth, the extraction procedure.
(1) If the unit verifies that the relevant extraction certification materials and photocopies provided by individual employees meet the extraction conditions of the branch center, the handling personnel of the unit shall fill in the Application Form for Extraction of Housing Provident Fund of the branch office (hereinafter referred to as the Application Form for Extraction), the Record Form for Extraction of Housing Provident Fund of the branch office (hereinafter referred to as the Record Form for Extraction) and the Detailed Form for Extraction of Personal Savings Account of Housing Provident Fund of the branch office (hereinafter referred to as the Extraction Form).
(2) The front desk staff of the Branch Center shall review the extracted materials, quotas, times and personal account information. For those who meet the extraction conditions, an "extraction record sheet" will be established in the system for employees who are extracted for the first time according to the extracted materials. The front desk staff of the Branch Center shall issue a List of Reasons for the Return of Housing Provident Fund Business Materials of the Branch Office (see Annex 17) to inform them of the reasons for not allowing the withdrawal.
(3) If the employee information in the system is inconsistent with the information in the extraction materials when the front desk staff of the China Branch Center enters and extracts the record information, they shall not extract it, and they must correct their personal information through the employee personal information change procedure before handling it. After the first withdrawal is successful, the handling personnel of the unit manually fill in and affix the "Withdrawal Record Sheet" and the special seal for the business of the branch center as the voucher for the next withdrawal of employees.
(4) Employees who have issued an extraction record sheet only need to provide the original and photocopy of the extraction application form and the next extraction record sheet. If it is necessary to change the contents of the record sheet, the original and photocopy of the corresponding change materials shall be provided, and the extraction procedures shall be handled after the change.
(5) If the handling personnel of the unit can't come to the branch center for business for some reason, they can entrust others to handle it. The client needs to bring his ID card and the Power of Attorney for the handling personnel of the housing provident fund business of the branch office (see Annex 18).
(6) Funds withdrawn by units or employees shall be transferred to the personal savings account or unit settlement account of the extractor within 3 working days after the business is successfully handled.
(7) If the withdrawal fails, the front desk staff of the China Branch Center will inform the drawer and make a second transfer after going through the relevant change procedures.
(8) If the wrong payment of housing provident fund is caused by the unit, and it is necessary for the unit to correct it by means of extraction, the unit shall explain the situation to the employees in advance, provide the proof materials signed and approved by the employees to the branch center, and handle it according to the corresponding extraction procedures after being approved by the branch center.
Verb (abbreviation of verb) transfer mode
In principle, the extraction of housing provident fund should be carried out in the form of personal savings accounts provided by employees. Under special circumstances, transfer can be made through its company settlement account.
(a) included in the employee's personal savings account
For employees who meet the withdrawal conditions, the Branch Center will transfer the personal withdrawal amount to the personal current savings account provided by the employee after the business is confirmed.
Before withdrawing money, employees should provide their current savings account number and contact telephone number signed by Zhongzhi according to the requirements of Zhongzhi, and ensure that the savings account information is consistent with the information in Zhongzhi system.
At present, the types of bank accounts that can be selected are: Industrial and Commercial Bank of China.
deposit book
19 digits
Start at 0200.
China construction bank
Savings card
19 digits
Starting with 4367 and 6227.
Bank of Communications
Savings card
17 digits
Starting with 6222,6014,4055.
China Merchants Bank
Savings card
Indefinite number
Starting from 0100,9555,6225.
(2) Transfer payment through the company settlement account.
In case of special circumstances, if the drawer cannot provide a personal savings account, the unit shall submit a written application (the application shall indicate the payee's name, account number, bank and line number, etc.). ), signed by the employee himself (if the employee can't sign, the unit should explain the reasons in the application, and if necessary, the employee's relatives will sign for approval), and the central sub-center will transfer the amount of housing provident fund to the unit settlement account, and the unit will transfer it to the employee himself.
Sixth, collective extraction
Where a unit for more than 3 employees housing provident fund extraction business, can be handled in accordance with the collective extraction procedures. The specific procedures are as follows:
1. The handling personnel of the unit shall review the extracted materials provided by employees, and keep a copy for future reference after meeting the requirements;
2. Fill in the correct Detailed List of Personal Savings Accounts and Detailed List of Collective Withdrawal of Housing Provident Fund of Central Authorities (see Annex 19) and fax them to the central branch first;
3. After checking the information and confirming it is correct, the central branch center will call the handling personnel of the unit to withdraw the amount and limit, and agree on the business processing time;
4. The unit shall issue an official letter of collective extraction (the official letter shall indicate the date, reason, number and total amount of extraction, and declare that the extraction meets the extraction requirements of the branch center, and the extraction materials are complete and true), and the handling personnel of the unit shall go to the branch center to handle the corresponding extraction procedures with the correct relevant documents within the agreed time.