How to withdraw Shanghai's housing accumulation fund

Bring the required materials to the provident fund center for application, and then to the undertaking bank for extraction; Or through online application.

I. Processing conditions

Under any of the following circumstances, employees may apply for withdrawing the storage balance in the housing provident fund account.

1, purchase owner-occupied housing ownership.

2, construction, renovation, overhaul of the city's ownership of self-occupied housing

3 to repay the principal and interest of the city's owner-occupied housing loan.

4. There is no room in this city and the housing in this city is rented for self-occupation according to law.

5, urban low-income families with financial difficulties to pay self-occupied housing property service fees.

6, family life is difficult to pay rent, property service fees, after-sales public housing property maintenance fees and other housing consumption expenses.

7. Retired, retired

8, most or all of them lose their ability to work, and terminate their labor relations with the unit.

9. Go abroad to settle down.

10, death or declaration of death (applied by the employee's legal heir or legatee)

1 1, other circumstances stipulated by the state and this municipality.

Second, the handling of materials

(a) employees who withdraw housing provident fund shall provide the "Resident Identity Card" or other identification.

(2) If the employee's spouse participates in the withdrawal at the same time, provide the spouse's "Resident Identity Card" or other identification certificate and proof of marriage relationship with the employee.

(3) If the trustee is the spouse or lineal blood relative of the principal, provide the resident identity cards or other identification certificates of the principal and the trustee, the relationship certificate between the principal and the trustee and the power of attorney issued by the principal.

If the trustee is not the spouse or immediate family member of the trustor, provide the resident identity cards or other identification certificates of the trustor and the trustee and the power of attorney notarized by the notary office.

(four) to withdraw the housing provident fund by transfer, the employee shall provide his real-name registration system debit card opened in the city's commercial bank.

(5) Prepare different materials according to the actual situation.

1. Employees who purchase owner-occupied housing in this city shall provide proof materials such as purchase contract, property right certificate (including original property right certificate), purchase invoice, proof of source of purchase funds, etc.

2. If the employee withdraws the housing provident fund to pay for the house purchase before applying for a loan for a house with property rights protection in this city, he shall provide proof materials such as the house purchase contract, the down payment invoice, and the voucher for withdrawal before the loan.

Before the loan, if you do not apply for withdrawing the housing provident fund to pay the house purchase price, you should provide proof materials such as the house purchase contract and the down payment invoice.

If the property right certificate of the house with property right protection has been obtained, the proof materials such as the purchase contract, the property right certificate (including the original property right certificate) and the purchase invoice shall be provided.

3. If an employee purchases self-occupied housing from other provinces and cities, the province where the housing is located is the province where the employee himself or her spouse and lineal blood relatives are registered.

I can apply for withdrawal of my housing provident fund in accordance with the regulations. Employees should provide purchase contracts, real estate warrants (including original real estate warrants), purchase invoices, proof of sources of purchase funds, proof of household registration, etc.

4. Employees purchase self-occupied houses with property rights in other provinces and cities, and the province where the houses are located is not the household registration of the employees themselves or their spouses or immediate family members.

However, the municipal provident fund center can obtain the authenticity of employee housing transactions from the housing property registration departments of other provinces and cities through information sharing and letters.

Can apply for withdrawal of my housing provident fund in accordance with the regulations, and employees should provide proof materials such as purchase contract, real estate title certificate (including original real estate title certificate), purchase invoice, proof of source of purchase funds, etc.

5. Workers who build, renovate or overhaul their own occupied houses in this city to withdraw housing provident fund shall provide the original real estate license (including the original real estate license) or land use certificate, approval documents from the competent authorities, payment vouchers and other supporting materials.

6. If the employee repays the principal and interest of the owner-occupied housing loan in this city and withdraws the housing accumulation fund, it will provide the proof materials such as the purchase contract, purchase invoice, loan contract and repayment voucher for the first time, and this follow-up proposal will provide proof materials such as repayment voucher.

Workers who withdraw housing provident fund loans in advance shall provide proof materials such as loan contracts and loan vouchers in advance.

7. If there is no room in this city and the city's housing is rented according to law for self-occupation to withdraw the housing provident fund, the employees meet the conditions that the housing provident fund has been paid in full for three months continuously, and their spouses and I have no own housing and rent housing in this city, and provide materials according to the following circumstances.

(1) If you rent public housing in this city, you should provide proof materials such as housing lease contract and rent payment certificate.

(2) Renting other houses in this city (including commercial houses, public houses, after-sale public houses, houses provided by units, etc.). ), provide proof that there is no real estate in the name of myself and my spouse. The proof information of no real estate can be inquired by the municipal provident fund center through authorization.

8. Low-income workers with financial difficulties are eligible to buy and live in housing with property rights guaranteed by the government in this city.

Or living in the city's own property housing, the applicant's monthly salary income is not higher than one of the conditions of the per capita monthly disposable income access standard of the family with property rights protection (three or more families) in this year, and has been paid into the housing provident fund for 6 months.

You can withdraw the housing provident fund to pay for a set of self-occupied housing property service fees, and provide materials according to the following circumstances.

(1) If you purchase and live in the * * * housing with government-guaranteed property rights in this city, you should provide proof materials such as the purchase contract, the housing with * * property rights (including the original property right certificate), and the tax-controlled invoice approved by the housing security department of the city or county.

(1) Living in the city's own property housing, the applicant's monthly salary income is not higher than the per capita monthly disposable income access standard of the family (three or more families) with property rights protection housing in this city.

Provide property ownership certificate (including the original property ownership certificate), tax-controlled invoice (paid property service fee payment certificate provided by public houses after sale) and other supporting materials.

9 workers' family life is difficult to pay for housing consumption expenses, and proof materials shall be provided according to the following circumstances.

(1) Pay the rent, provide a legal and valid house lease contract, and extract the proof of the relationship between the applicant and the lessee, the contact list of the property management company, the rent invoice or receipt, etc.

(2) If the property service fee is paid, provide the property certificate (including the original property certificate), the proof of the relationship between the applicant and the property owner, the contact list of the employees with difficulties in life, the invoice or receipt of the property service issued by the property management company, etc.

(3) Pay the property maintenance fee of after-sale public houses, provide the property right certificate (including the original property right certificate), extract the proof of the relationship between the applicant and the property owner, and invoice the property maintenance fee or related materials.

At the same time, employees should also provide proof of any of the following difficulties in family life.

(1) Enjoy the minimum living guarantee certificate for urban residents and other supporting materials.

(2) proof of continuous unemployment for more than two years, proof that the per capita monthly income of the family is lower than the minimum wage standard of employees in this city announced by the social security department in that year, and other supporting materials.

(3) Proof that I, my spouse and their immediate blood relatives suffer from major diseases, medical records, difficulties in family life and other supporting materials.

10, retired employees should provide proof materials such as pension payment certificate.

1 1. If most or all employees lose their ability to work and terminate their labor relations with the unit, they shall provide proof of their inability to work and proof of the termination of their labor relations with the unit.

12. Employees who leave the country to settle down should provide proof materials such as household registration certificate or visa and its translation.

13. If an employee dies or is declared dead, and his legal heir or legatee withdraws the balance of the housing provident fund account of the deceased employee, he shall provide proof materials according to the following circumstances.

(1) If the heir is the first heir (spouse, parents, children), provide the heir's identity certificate, employee's death certificate or death declaration certificate, and the certification materials issued by public security, civil affairs and other government departments that can prove the relationship between the heir and the deceased employee.

(2) If the successor is not the first successor or testamentary successor or legatee, provide the identity certificate of the successor and legatee and the employee's death certificate.

Or a certificate of death, a notarial certificate confirming his right of inheritance or bequest, or a court judgment, ruling, conciliation statement and other supporting materials.

Third, the handling process

Methods 1: On-site extraction

Step 1: the user applies to the provident fund center for withdrawal.

Step 2: The provident fund center will inform the required materials and handling procedures at one time, and at the same time issue an application for housing provident fund withdrawal.

Step 3: The applicant submits a written application to the employer.

Step 4: After the unit verifies that the situation is true, it will issue a certificate, verify with the provident fund center the amount that can be withdrawn according to the regulations, provide the account number of the unit and individual, fill in the relevant matters in the Application for Withdrawal of Housing Provident Fund, and affix the reserved seal.

Step 5: The extractor shall provide the housing provident fund extraction application form, unit certificate and relevant vouchers correctly filled in to the provident fund center for review by the staff of the work center.

Step 6: The competent leader of the provident fund center will make a decision on whether to approve the withdrawal after examination and sign the applicant's unit certificate.

Step 7: If the withdrawal is approved, the Provident Fund Center will issue a withdrawal check.

Step 8: The applicant goes to the entrusted bank with a check to go through the withdrawal procedures.

Method 2: Online extraction.

Step 1: Employees sign an online comprehensive business service agreement with the municipal provident fund center.

Step 2: Log on to the online comprehensive business platform of Shanghai Housing Provident Fund, submit the withdrawal application and upload the electronic proof materials.

Step 3: Wait for the materials to be reviewed by the Municipal Provident Fund Center, and the online extraction business review standard is consistent with the counter business review standard to ensure the security of funds and information in the employee housing provident fund account.

Step 4: Internet transfer, that is, withdrawal of housing provident fund.

Fourth, the handling place

Shanghai provident fund center

The specific location is as follows: Shanghai Housing Provident Fund Network-Shanghai Provident Fund Management Center business outlets.

Verb (abbreviation of verb) processing time limit

1. All management departments or banking institutions entrusted with the collection of housing provident fund shall make a decision on whether to approve or disapprove the withdrawal within three working days from the date of accepting the application for withdrawal of housing provident fund.

2. If the withdrawal is approved after examination, the withdrawal amount will be directly transferred to the employee's joint housing provident fund card or the savings account of the bank designated by Shanghai Housing Provident Fund Management Center within three working days.

Sixth, warm tips

Workers who have outstanding housing provident fund debts shall not handle other withdrawal business except repaying the principal and interest of the city's self-occupied housing loans.

If employees have outstanding housing provident fund debts and commercial personal housing loans at the same time, the withdrawal of housing provident fund should give priority to repaying housing provident fund debts.

The above data sources

Shanghai housing provident fund network-Shanghai housing provident fund withdrawal management measures