How to handle the extraction of improved housing?

The purchase extraction is divided into the first suite extraction and the improved housing extraction. Today, Bian Xiao will tell you about the relevant policies to improve housing extraction!

Improve the extraction conditions

1. In the housing registration information system of the real estate administrative department of this Municipality, employees' families have registered that they only own 1 house and the construction area is lower than the current ordinary housing standard in Wuhan 144 square meters, and employees' families have not used housing provident fund loans (including portfolio loans) to purchase the second improved house;

Improved housing purchased after February 20141kloc-0/October 65438;

3. Previously, employees and spouses did not have two sets of housing loan records (subject to the personal credit report of China People's Bank);

4, employees and spouses from the last improved housing extraction time interval of more than 3 years.

Q: Mr. and Mrs. Xiaojin have only one house with provident fund loan, and the loan settled after March 8, 20 10 covers an area of 100 square meter; I also bought a pure commercial loan house and got two certificates on 20 15. Xiaojin wants to withdraw the provident fund and repay the business loan. what should he do ？

A: If the Xiaojin couple only have these two sets of housing loan records, there are no records of provident fund loans and withdrawals for other houses. You can withdraw the provident fund according to the improved housing!

Extract the required information

1, Housing Provident Fund Withdrawal Certificate issued by the unit (affixed with a set of financial seal of the unit);

2. The original and photocopy of the ID card and marriage certificate of both husband and wife; Unmarried, provide the original and photocopy of the ID card (married, both husband and wife need to print a credit report with a marriage certificate);

3. The original and photocopy of the real estate license and state-owned land use certificate of the first set of housing and improved housing (if the first suite has been sold, two certificates of the first suite are not required, but the Notice of Wuhan Housing Ownership Registration Information Query Results issued by the Real Estate Bureau is required);

4. First-hand houses provide full purchase invoices or formal receipts; Second-hand houses need to provide tax-paid invoices (employees who pay deed tax by electronic transfer need to provide Notice of Tax Payment for House Transaction in Wuhan or Information Form of House Transaction Cooperation in Wuhan or Notice of House Transaction in Wuhan (no need to stamp) and Special Tax Payment Certificate for Electronic Transfer of Tax in People's Republic of China (PRC)).

Number and amount of withdrawals

1 once every 3 years; The accumulative withdrawal amount of employees and their spouses is: [144 square meters-the area of the first house of employees' families] × the unit price of the second house, which shall not exceed the total price of the second house.

Handling place

Both husband and wife should first go to the provident fund center for review, and then go to the bank to withdraw.

Go to the provident fund center for review first.

Then go to the bank to withdraw money.

Of course, everyone's actual situation is different, and different extraction types, extraction conditions, required data and processing locations are also different. Specific conditions and information extraction also need to be answered according to your details. If you have any questions in the process of extraction, please call the customer service hotline of the provident fund 12329 to analyze and answer for you manually!

(The above answers were published on 20 17-0 1-23. Please refer to the actual purchase policy. )

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