How to withdraw housing provident fund from mobile phone?

The process of extracting housing accumulation fund by mobile phone is as follows:

1, users must first go to the provident fund management center for electronic signing;

2. The official account of WeChat pays attention to the local "housing provident fund";

3. After paying attention, enter the official WeChat account, and then click the "I want to handle" and "I want to extract" options;

4. Select the withdrawal type and enter the account and SMS verification code as required. After logging in, you can see the amount you can withdraw.

Impact of withdrawal of provident fund:

1, and the provident fund cannot be withdrawn again for the same reason within two years;

You can't use the provident fund to buy a house within 2.6 months to 1 year, and you need to pay the personal provident fund for 6 months.

3. Withdrawing the provident fund will affect the amount of future provident fund loans;

4. If the other half has used the personal provident fund loan before, although the personal provident fund withdrawal does not occupy the personal provident fund loan amount, because the family has used the provident fund loan before, and this is also the second suite purchased, it belongs to the second suite purchase loan, and the down payment must be paid at least 60%.

Method of withdrawing all provident funds:

1. If you want to withdraw all the personal provident fund, you can't do it until after the statutory retirement age. The money withdrawn after retirement includes principal and interest;

2. If you are an individual or haven't reached retirement age, you need to meet certain requirements, such as buying a house or building a household.

3. If the individual leaves the original work unit, the housing accumulation fund paid by the individual during the work period can be applied for withdrawal, but it also means that the unit should be turned over to the public. Individuals who find a new work unit can go through the formalities for the transfer of provident fund. At this time, it is full;

4. Can the repayment time of provident fund loans be changed? The repayment time of provident fund loans can be changed. Provident fund loans refer to loans enjoyed by group users who pay housing provident fund. Users who only need to pay housing provident fund can apply for individual housing provident fund loans in accordance with the relevant provisions of provident fund loans;

5. The maximum amount of provident fund loans shall not exceed 70% of the total purchase price. If you want to change the repayment time of the provident fund loan, you need the borrower to repay it normally for more than one year, and the credit is excellent and there is no overdue. The term of the provident fund loan is 1 to 30 years, which shall not exceed the statutory retirement age of the borrower.

To sum up, you need to have a good reason when withdrawing the provident fund. Generally speaking, decoration, renovation or self-occupied housing, payment of rent, repayment of mortgage principal and interest, retirement and loss of income can all be applied to the provident fund center. As long as you meet the requirements and have no problems with the prepared materials, you won't encounter any problems in withdrawing the provident fund.

Legal basis:

Article 24 of the Regulations on the Management of Housing Provident Fund

In any of the following circumstances, employees may withdraw the storage balance in the employee 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;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

Article 25

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.