How to extract Shaanxi province's provident fund

1. Pick up the identity proof materials and business proof materials submitted by the applicant at the counter of the provincial center or the official self-service channel. The application materials shall be true and complete.

2, at the same time meet the following conditions, the provincial center to accept the application for extraction, and return the original application materials after the collection of electronic images:

(1) The information in the application materials is consistent with the information in the personal account, which is true and complete;

(2) The scope, amount, duration and frequency of extraction are in line with the provisions of the provincial center;

(3) The contents of the identity certification materials and business certification materials are clearly visible, and the seals are complete, which have not exceeded the prescribed validity period.

3. The business certification materials that have collected electronic images can no longer provide raw materials when applying for extracting the same matter again.

4, the provincial center to accept the on-site audit of the extraction application, timely review; If it is impossible to conduct on-site audit after acceptance, it shall make a decision on whether to approve the extraction within 3 working days from the date of accepting the application, and notify the extraction applicant. When the applicant disagrees with the audit opinion, he may apply for reconsideration, and the provincial center will make a final reconsideration opinion within 5 working days.

5. For the approved withdrawal application, the provincial center will go through the formalities of fund payment, and the withdrawal funds will be transferred to the applicant's bank savings card. The bank savings card provided by the applicant shall be a first-class savings card of a commercial bank entrusted by the provincial center to handle the housing provident fund business.

I. Extraction of housing consumption:

1, purchase, build, renovate and overhaul owner-occupied housing;

2. Repay the principal and interest of the housing loan;

3, no own housing, rental housing to pay rent;

4. Pay the maintenance fund (overhaul fund).

Second, non-housing consumption extraction:

1, returned, returned;

2. Go abroad to settle down;

3, completely or partially lose the ability to work, and terminate the labor relationship with the unit;

4. The employee dies or is declared dead;

5. Enjoy the urban minimum living guarantee;

6, encounter natural disasters, emergencies or major diseases, resulting in particularly difficult family life;

7, continuous unemployment for more than two years, the per capita monthly income of the family is lower than the local minimum wage income standard, and the family life is seriously difficult;

8. Non-Xi registered permanent residence workers terminate the labor relationship with the unit;

9. Being sentenced to death, life imprisonment or fixed-term imprisonment during serving his sentence, and reaching the statutory retirement age of the state after serving his sentence.

legal ground

Regulations on the administration of housing provident fund

Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.

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.

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.