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Online withdrawal process of Bengbu provident fund
1, users must first go to the provident fund management center for electronic signing;
2. Pay attention to the local "housing provident fund" on the official WeChat account;
3. After paying attention, enter the official WeChat account, and then click the "I want to handle" and "I want to extract" options;
4. Select the withdrawal type, and enter the account and SMS verification code as required. After logging in, you can see the amount you can withdraw.
What is the impact of withdrawing provident fund?
1, and the provident fund cannot be withdrawn again for the same reason within two years;
You can't use the provident fund to buy a house from 2.6 months to 1 year, and you need to pay the personal provident fund for 6 months.
3. Withdrawing the provident fund will affect the amount of future provident fund loans;
4. If the other half has used a personal provident fund loan before, although the withdrawal of personal provident fund does not occupy the personal provident fund loan amount, because the family has used a provident fund loan before, and this is also the second suite purchased, it belongs to the second suite purchase loan, and the down payment must be paid at least 60%.
How to withdraw all the provident fund:
1. If you want to withdraw all the personal provident fund, you must wait until the legal retirement age before withdrawing it. The money withdrawn after retirement includes principal and interest;
2. If you are an individual or have not reached retirement age, if you want to withdraw the provident fund halfway, you need to meet certain requirements, such as buying a house or building a household;
3. If the individual leaves the original work unit, the housing accumulation fund paid by the individual during the work period can be applied for withdrawal, but it also means that the unit will be turned over to the public. If an individual finds a new work unit, he can go through the formalities of transferring the provident fund. At this time, it is a full transfer;
4. Can the repayment time of provident fund loans be changed? The repayment time of provident fund loans can be changed. Provident fund loans refer to loans enjoyed by group users who pay housing provident fund. Users who only need to pay housing provident fund can apply for individual housing provident fund loans in accordance with the relevant provisions of provident fund loans;
5. The maximum amount of provident fund loans shall not exceed 70% of the total purchase price. If you want to change the repayment time of the provident fund loan, you need the borrower to repay it normally for more than one year, and the credit is excellent and not overdue. The loan term of the provident fund is 1 to 30 years, which shall not exceed the statutory retirement age of the borrower.
In a word, you need to have a good reason when withdrawing the provident fund. Generally speaking, you can apply to the provident fund center when you decorate, transform or build your own house, pay rent, repay the principal and interest of mortgage, retire and lose your income. As long as the conditions are met and there is no problem with the prepared materials, you will not encounter any problems when withdrawing the provident fund.
Legal basis:
Article 24 of the Regulations on the Management of Housing Provident Fund
In any of the following circumstances, employees can withdraw the storage balance in the employee housing provident fund account:
Purchase, construction, renovation and overhaul of owner-occupied housing;
2 retired;
(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;
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 will be included in the value-added income of the housing provident fund.
Article 25
If the employee withdraws the storage balance 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 not to withdraw, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
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