Yichang Purchase Owner-occupied Housing and Withdraw Provident Fund (Conditions+Channels+Materials)

when the depositor's family purchases the first set of improved self-occupied housing with independent property rights or the second set without provident fund loans, they can withdraw the storage balance in the depositor's housing provident fund account.

processing channels

1. Online processing: self-service processing can be conducted through personal web hall and WeChat WeChat official account.

2. Off-line handling: handled at the counter of each business department.

required materials

1. ID cards of the extractor and spouse. The ID card of the agent shall be provided for others.

2. Withdraw the person's own Yichang citizen card or a bank debit card.

3. Original marriage certificate or single statement, which can be queried online in Yichang area, need not be provided.

4. If the deposit place is in the urban area, you don't need proof materials for online inquiry; if you can't, you need to provide proof of the depositor's family's existing housing inquiry issued by the real estate department in the urban area and Yiling District; If the deposit place is in the county or city, the local real estate department will issue an inquiry certificate of the family's existing housing.

5. Type of house purchase:

Purchase of existing house of self-occupied commercial house

① Certificate of immovable property rights or purchase contract and table of immovable property rights. The original title certificate of immovable property is required for one-time payment of house purchase in different places.

② purchase invoice or deed tax invoice.

Purchase of a self-occupied commercial house

① Real estate registration certificate issued by the housing management or real estate department at the place where the house is purchased;

② house purchase contract;

③ purchase invoice.

Purchase of self-occupied second-hand houses

① Original or photocopy of the transferred immovable property certificate and the original commercial loan contract;

② Purchase invoice or deed tax invoice and purchase contract.

purchase of self-occupied auction house

① confirmation letter of house auction and certificate of transferred immovable property right;

② the invoice or deed tax invoice for purchasing the auction house.

To purchase an auction house, an existing house, a second-hand house and an auction house outside Yichang, in addition to the above-mentioned relevant materials, it is necessary to provide:

① The original household registration book of the place where the buyer and either spouse purchased the house or the payment certificate of social endowment insurance in the last 12 months;

② If it cannot be verified on site, the extractor shall fill in the Letter of Commitment for Personal Withdrawal of Housing Provident Fund and the Letter of Authorization for Verification of Real Estate Information. If the purchase behavior can be verified through the loan contract, the personal credit report of the main borrower and the mobile APP, it is not necessary to fill in.

Precautions

1. The purchase of owner-occupied housing refers to the purchase of commercial housing, existing houses, second-hand houses and auction houses.

2. If you need to apply for a provident fund loan, the loan and withdrawal should go through the formalities at the same time, so as not to affect the calculation of the loan amount.

3. If you buy a second house and apply for provident fund loans, you may not apply for provident fund purchase withdrawal, but you can withdraw to repay the loan.

4. If the deposit place is in the urban area, it shall be determined according to the number of housing units of the depositor's family in the urban area and the purchase contract; If the deposit place is in a county or city, it shall be determined according to the number of family houses registered by local real estate and the purchase contract.

5. If the depositor's family members have outstanding provident fund loans, they cannot handle the withdrawal business.

6. The effective time for withdrawal is: within one year after the signing of the house purchase contract or within one year after the first acquisition of the immovable property certificate.

7. withdrawal amount: the total withdrawal amount shall not exceed the total price actually paid for the purchased house.

8. If a house is extracted once, the extractor shall go through the extraction procedures in a lump sum. The extraction time should be one year apart from the last extraction time of housing consumption.

9. If you choose to purchase a house in a different place with one-time payment, you need to provide the original real estate title certificate.