Attention, Shenyang people The latest interpretation of the provident fund to buy a house is coming.

Shenyang housing accumulation fund

Management center related personnel,

Housing accumulation fund, family mutual assistance, house purchase

Extract the policy and introduce it in detail.

And answer related questions.

Let's have a look!

Q: Can I apply for a down payment for provident fund loans? Do you want to apply for the loan deposit or withdraw money after the loan?

A: Employees who use provident fund loans can apply for withdrawing provident fund to pay the down payment, but they need to be reminded that they must apply after the loan is issued.

Q: I checked out for some reason after returning the down payment. What about the withdrawal of the provident fund?

Answer: If the employees who buy houses check out for some reason, the employees who have withdrawn the housing provident fund, their spouses, children and parents of both husband and wife must voluntarily return the withdrawn housing provident fund to the provident fund center within 10 working days after checking out.

The provident fund center will severely deal with the behavior of withdrawing the housing provident fund, or forging documents, issuing false certificates and fabricating application information. According to the "Interim Measures for the Management of Credit Information of Employees Deposited in Shenyang Housing Provident Fund".

Q: I have left the company. Can I withdraw the housing provident fund paid by my company before?

Answer: If the employee leaves his job and has not re-employed and paid the housing provident fund, and there is no outstanding Shenyang housing provident fund loan for the employee and his spouse, the employee's individual housing provident fund account will be transferred to the account designated by the center for centralized storage for half a year, or the individual account has been sealed in the original unit for half a year before being transferred to the centralized storage account, so you can handle the centralized storage and withdrawal business and withdraw all the balance in the account at one time.

This withdrawal business can be handled immediately through the "Shenyang Government Service" App or the "Shenyang Housing Provident Fund" App, and eligible employees can complete the account opening online without going to the management departments of various districts (counties and cities) of Shenyang Housing Provident Fund Management Center.

Q: When can I apply for withdrawal of provident fund through online channels?

A: Except for the death of employees and the addition of elevators to existing houses, all the withdrawal matters applied for through online channels such as "Shenyang Government Service" App, "Shenyang Housing Provident Fund" App and "Liaoshitong" App are settled immediately, and the withdrawal funds can be received immediately.

Q: I bought a house in Shenyang with a commercial loan. I want to set aside the money in my provident fund account to repay the subsequent loans. Now let my parents put their provident fund on my house to pay the down payment. Is it okay?

A: This situation is unacceptable. Family mutual aid withdrawal should give priority to the withdrawal of the balance of the provident fund account of the property owner and spouse, and only when the balance of the property owner and spouse account is insufficient can the balance of the parents' account of the children and husband and wife be withdrawn.

The withdrawal of family mutual assistance embodies "mutual assistance", that is, when the balance of my account and spouse's account is insufficient, other family members withdraw the provident fund according to their wishes to help the property owner and spouse. Therefore, when the property owner and spouse have not handled the withdrawal business, their family members cannot handle the withdrawal business before the property owner and spouse.

Withdrawal of housing accumulation fund for family mutual assistance purchase.

These rules need to be understood.

1. What does mutual assistance extraction include?

There are two types of projects for employees' families to withdraw housing provident fund from each other:

One is to buy a house in cash, and withdraw the full amount of the house, that is, employees who have paid the full amount of the house can apply for withdrawing the housing provident fund in their accounts to pay the full amount of the house.

The other type is to withdraw the down payment from the loan purchase, that is, employees who have used provident fund loans or commercial loans to pay the down payment for the purchase of houses can apply for withdrawing housing provident fund from their accounts to pay the down payment for the purchase of houses.

2. Mutual assistance extraction, which members of the family can handle it?

The scope of family members of employees includes employees themselves, spouses, children and parents of both husband and wife.

3. What are the requirements for mutual access?

Family mutual aid withdrawal is a phased policy issued by Shenyang Housing Provident Fund Management Center, which can effectively reduce the economic pressure on employees' families to buy houses and promote the stable and healthy development of Shenyang real estate market. So on the basis of the previous purchase conditions, there are still some requirements, including:

(1) The self-occupied house purchased is within the jurisdiction of Shenyang.

(2) The purchase time is from June 65438+1 October1day to February 3 1 day, 2022. Commercial housing is subject to the signing time of the filing contract, and second-hand housing is subject to the issuance time of the immovable property certificate.

(3) If you use a loan to buy a house, whether it is a commercial loan or a provident fund loan, you can only apply for the withdrawal of the housing provident fund after issuing the loan and obtaining the loan issuance certificate.

4. When will the mutual retreat policy be implemented?

The withdrawal policy issued this time belongs to a phased policy, and only employees' families who bought houses from June 65438+1 October1to February 3 1 2022 can enjoy this preferential policy.

In order to allow employees' families enough time to handle this business, the application time for family mutual withdrawal business was extended to February 28, 2023. Please don't miss the application time limit for employees and their families in need.

5. How much can mutual assistance be withdrawn?

For full purchase, the total withdrawal amount of family members shall not exceed the full purchase amount.

If a house is purchased with a loan, the total withdrawal of family members shall not exceed the down payment for the house purchase.

It is particularly important to note that if you use a loan to buy a house, you can only withdraw the down payment for buying a house through family mutual assistance. For the monthly repayment funds, you can't apply for withdrawal in the form of family mutual assistance.

6. Can mutual assistance be handled through online channels?

Family mutual aid withdrawal cannot be processed online for the time being. The applicant can go to the management department of each district (county, city) of Shenyang Housing Provident Fund Management Center for on-site handling.

At present, according to the requirements of epidemic prevention and control, in order to avoid crowd gathering, the service halls of Shenyang Housing Provident Fund Management Center need to make an appointment in advance. Employees can make an appointment online through the official account of Shenyang Housing Provident Fund WeChat WeChat-public service-business appointment, or by telephone through public service-business outlets.

7. What are the admissibility requirements?

(1) Extractor's ID card.

(2) if the employee's spouse extracts it, provide a marriage certificate; Children, parents of husband and wife, provide proof of family relationship.

(3) Commercial housing sales contract or registered immovable property certificate.

(4) If the commercial house is purchased in full, an incremental house declaration form for paying deed tax shall be provided; If the second-hand house is purchased in full, an application form for transaction tax of the stock house shall be provided.

(5) If the commercial house is purchased by loan, the down payment invoice shall be provided; If you buy a second-hand house with a loan, you should provide the supervision confirmation letter of Shenyang stock house transaction fund or the tax return form of stock house transaction.

(6) Employees who use commercial loans to purchase houses shall provide loan contracts and bank loan issuance certificates.

(7) The applicant draws a first-class bank savings card (it must be China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank, Shengjing Bank, China Bank and Bank of Communications).

concentrate on

Policy of mutual assistance and installment withdrawal for families buying houses

With the initial purchase

What's the difference between withdrawal policies?

Compared with the original policy, there are two major breakthroughs in this phased family mutual housing policy:

First, let go of mutual assistance among family members. Regardless of whether the property owner has paid the housing provident fund, his spouse, children and parents of both husband and wife can handle the withdrawal of the property;

The second is to liberalize the down payment withdrawal policy. Workers who use provident fund loans or commercial loans to buy houses are allowed to withdraw provident fund to pay the down payment for buying houses.

During the period of phased policy liberalization, no matter whether employees buy commercial houses or second-hand houses, whether they buy houses in full or with loans, whether they buy houses with provident fund loans or commercial loans, they all enjoy the policy dividend of family mutual assistance or withdrawal of down payment.