Henan province provident fund withdrawal policy 2023

In 2023, the withdrawal policies of Henan Province's provident fund are as follows:

1. Employees and their spouses who purchase, build, renovate or overhaul their own houses may withdraw their own houses. The withdrawal amount shall not exceed the actual expenditure (excluding loan interest) and the balance of the employee's individual and spouse's provident fund account at the time of application.

2, to repay the purchase and construction of owner-occupied housing loan principal and interest, employees and their spouses can withdraw, the amount of withdrawal shall not exceed the actual repayment expenditure last month (including overdue loan penalty interest).

3. If the owner-occupied housing is leased, both employees and their spouses can withdraw it, and the withdrawal amount shall not exceed the balance of the employee's individual and spouse's provident fund account last month at the time of application.

4. After retirement, you can withdraw the balance of your provident fund account.

If you live abroad, you can withdraw the balance of your provident fund account.

6. If an employee dies or is declared dead, he can withdraw the balance of his provident fund account.

7, enjoy the city minimum living security personnel, can withdraw my provident fund account balance.

8. If you completely or partially lose your ability to work and terminate your labor relationship with the unit, you can withdraw the balance in your provident fund account.

9 employees themselves, their spouses and their immediate family members suffer from major diseases and need to pay huge medical expenses. Within the scope of patients' medical expenses, the withdrawal amount can not exceed 30,000 yuan per year.

Provident fund withdrawal filing standard:

1, deposit time standard: individuals need to deposit in the provident fund account for a certain period of time, for example, in some areas, individuals need to deposit for at least 6 months before withdrawing the provident fund;

2. Deposit amount standard: individuals need to deposit a certain amount in the provident fund account. For example, in some areas, individuals need to deposit at least the minimum deposit amount stipulated by the local provident fund management center in order to withdraw the provident fund;

3. Extraction criteria: individuals need to provide corresponding certification materials to prove the reasons for the extraction of provident fund, such as buying real estate, medical assistance, renting loans, etc.

4. Other criteria: There may be other criteria for filing a case in different regions or provident fund management centers, such as age requirements and housing property rights grade requirements.

To sum up, the requirements of different regions and banks may be different, so it is best to know the local policies and regulations before withdrawing the provident fund.

Legal basis:

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

Workers in any of the following circumstances, you can extract the balance of storage 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.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

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.