Do I need a joint card to withdraw the provident fund?

Yes, you must apply for a national liaison card. When the online business hall or the official WeChat on the palm handle the withdrawal, the prerequisite is that there must be a joint housing provident fund card and an associated account, and the housing provident fund SMS service has been opened. Provident fund usually refers to housing provident fund, which is a housing security system and a form of monetization of housing distribution; Sometimes it also refers to the company's provident fund, which is the fund accumulated in the company for a specific purpose when the company's net assets exceed the paid-in share capital.

1. Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development. On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.

2. Housing provident fund is a personal housing savings fund specially used by employees for housing consumption expenditure. It has two characteristics: First, it is cumulative, that is, housing provident fund is not part of employees' wages and is not paid in cash. It must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented. The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when employees leave, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts.

3. According to the regulations of our country, all enterprises, whether state-owned or private, must pay the housing accumulation fund for their employees. The housing accumulation fund paid by enterprises and institutions does not belong to the nature of total wages, but belongs to the cost of enterprises. According to the Notice of State Taxation Administration of The People's Republic of China on Deduction of Enterprise Wages and Salaries and Employee Welfare Expenses (Guoshuihan No.2003), the "total wages and salaries" mentioned in Articles 40, 41 and 42 of the Regulations for the Implementation of People's Republic of China (PRC) Enterprise Income Tax Law refers to the total wages and salaries actually paid by enterprises according to Article 1 of Document No.3 of Guoshuihan [2009], excluding enterprises.