How to withdraw the housing accumulation fund from the job
There were several common situations in which the housing accumulation fund was withdrawn while working: 1. ** Purchasing, constructing, renovating, and overhauled owner-occupied housing **: You can withdraw the housing accumulation fund, but the withdrawal amount cannot exceed the cost of purchasing, constructing, renovating, and overhauled owner-occupied housing. You can only withdraw the housing accumulation fund balance before the month when the purchase contract or agreement is signed (inclusive) or before the month when the construction, renovation, and overhauled owner-occupied housing is approved (inclusive). 2. ** Repayment of housing loan principal and interest **: In some areas, if the relevant conditions are met, the accumulation fund can be withdrawn to repay the principal and interest of the housing loan. However, the withdrawal method (such as whether it can be withdrawn at one time, etc.) depends on local policies. 3. ** The proportion of rent exceeding the family's wage **: Under certain conditions, if the proportion of rent expenditure to the family's wage is too high, the accumulation fund can be withdrawn. When withdrawing, you can usually download the mobile accumulation fund APP. After registering or logging in to the account, click on the corresponding withdrawal business type (such as house purchase withdrawal, rental withdrawal, etc.) in the business processing, fill in the information and submit it according to the requirements, and then the relevant departments will review and process it. After the review is passed, the funds will be transferred to the account. However, the Provident Fund Management Center in different regions may have different regulations. For specific withdrawal conditions and procedures, it is recommended to consult the local Provident Fund Management Center.
How do I withdraw my housing accumulation fund from Nanjing?
If you withdraw the housing fund through the "My Nanjing" APP, the specific steps are as follows: 1. Enter the "My Nanjing" APP and complete the registration. 2. According to the different circumstances of the available accumulation fund (such as resignation, retirement, renting, purchase, etc.), find the corresponding accumulation fund withdrawal service entrance in the APP. If the employee leaves his job to withdraw the housing accumulation fund, he must meet the conditions of terminating the labor relationship between the employee and the unit, moving out of the city or not in the city, sealing the housing accumulation fund account for half a year and not continuing to pay the housing accumulation fund in another place. 3. According to the account situation, choose the withdrawal account (Provident fund account or subsidy account). If there is a subsidy account, the subsidy account will be withdrawn first; if there is no subsidy account, the Provident fund account will be selected. 4. After verifying the information, he entered the bank card number, then verified the text message. After the verification was completed, he clicked [Withdraw]. In addition, if the data cannot be inquired through shared information, the employee may need to bring relevant supporting materials to the deposit bank service outlet to apply for withdrawal of housing accumulation fund, and the withdrawn housing accumulation fund will be transferred to the bank card of the employee housing accumulation fund deposit bank.
Can the housing accumulation fund buy an apartment?
Under normal circumstances, the accumulation fund could not be used to buy an apartment. This was because the fund loan could only be used to purchase ordinary houses, while most apartments were commercial in nature. The land use period was 40 or 50 years, which did not meet the requirements for the fund loan. However, if some special conditions are met, such as some regions require the borrowing party to have a permanent residence in the city where the loan is made, to be able to provide a valid residence certificate, to have continuously deposited the housing accumulation fund for more than 6 months, to have accumulated the deposit time for no less than 12 months, and to have self-raised funds reaching more than 30% of the total price,(The first home loan for the first home is only 20% for the first home below 90 square meters.) If you have a proper job and stable income, sign a purchase contract or contract with the sales office, and meet other conditions, you may also use the Provident Fund loan to buy an apartment.
Can I withdraw the accumulation fund from the apartment for 40 years?
The 40-year property right apartment could not be withdrawn from the accumulation fund because the 40-year property right apartment was a commercial property and not a residential property. The housing accumulation fund should be used for employees to purchase, build, renovate, and renovate their own houses. The commercial property could not be withdrawn from the accumulation fund.
How can I withdraw the accumulation fund if I need money urgently?
If you need money urgently and want to withdraw the accumulation fund, you need to meet certain conditions. For example, purchase, construction, renovation, and major maintenance of self-occupied housing; retirement; complete loss of labor capacity and termination of labor relations with the unit; overseas settlement; repayment of the principal and interest of the house purchase loan; rent exceeding the prescribed proportion of household wage income (If some areas set it as more than 5%(inclusive)); Work transferred from the city, household registration moved out of the city; The employee died or was declared dead; The employee with the household registration in the other city terminated the labor relationship with the unit; The employee terminated the labor relationship with the unit and received the "unemployed certificate"; The employee enjoyed the minimum living security; The employee's family suffered from major property losses due to emergencies; The employee himself, his spouse and children suffered from family life difficulties due to major diseases. Different regions had different extraction processes. The common process was as follows: 1. Submit an application to the unit. After the unit reviews the relevant materials of the individual and meets the conditions for withdrawal, fill in three copies of the "Examination and approval form for the application for withdrawal of housing accumulation fund" and stamp the official seal of the unit. The withdrawing person or agent will go to the accumulation fund center to handle the approval procedures with the relevant supporting materials. 2. In some areas, you can apply online. For example, you can open the official account of AliPay, WeChat, or a local application (such as the Suihao Office APP). Enter "Provident fund withdrawal approval" in the search bar, select the withdrawal service, perform authorization and face verification, and then select the new withdrawal-housing consumption withdrawal-fill in the withdrawal application and confirm the upload information; or search for "Provident fund" in the search bar of AliPay, click "Withdraw rental", and submit the application according to the prompt.
Can the accumulation fund buy an apartment?
Under normal circumstances, you can't use the Provident Fund loan to buy an apartment, because most of the apartments 'nature or planned use is "commercial" or "commercial and residential", not purely "residential", which does not meet the requirements of the Provident Fund loan for the purpose of the house. However, in some cases, one could apply for the withdrawal of the accumulation fund to purchase an apartment. There were also some special operations to indirectly use the accumulation fund to achieve the effect similar to purchasing an apartment. For example, in Suzhou, if one did not have a house under his name, he could rent out the apartment after buying it, and then rent the house himself. He could use the difference in rent and the withdrawal of the accumulation fund to achieve the purpose of buying an apartment with the accumulation fund.
Is the accumulation fund taken as you wish?
No, it wasn't. Certain conditions must be met to withdraw the accumulation fund, such as purchasing, constructing, renovating, and repairing the self-occupied house; retiring; completely losing the ability to work and terminating the labor relationship with the unit; leaving the country to settle down; repaying the principal and interest of the house purchase loan and the rent exceeding the prescribed proportion of the family's wage income; causing family life to be particularly difficult due to major diseases.(The situation where the family life of the depository, his spouse, children and parents of both husband and wife is particularly difficult due to major diseases); The family life is particularly difficult due to emergencies (the depository, his spouse, children and parents of both husband and wife encounter major losses of family property due to emergencies, resulting in particularly difficult family life), etc. At the same time, there may be special regulations in some areas. For example, when the qualified depository and their spouse in Hezhou City purchase new pre-sale commercial housing from July 9,2024 to December 31,2024, they can withdraw the balance of the accumulation fund account to pay the down payment, but they must also meet the conditions for the withdrawal of housing accumulation fund. And there are restrictions such as the city's housing accumulation fund loan has not been repaid at the time of application, the loan is not late at the time of application, and the remaining loan period is not less than one month.
Can a single apartment use the accumulation fund?
If the single apartment was a residential property with a 70-year property right period, it could use the accumulation fund. If the single apartment was a commercial property, such as a commercial land with a land use period of 40 years, it could not use the accumulation fund loan and could only choose a commercial loan.
How to withdraw my Nanjing Provident Fund
The withdrawal method of Nanjing Provident Fund is as follows: ** 1. Withdrawing from house purchase (in some cases)** 1. ** Withdraw from purchased pre-sale and current commercial houses (with family members 'purchase status)** - If an employee and their parents (children) purchase the same self-occupied house together, they can withdraw the housing accumulation fund. - If an employee, other than their parents and children, purchased the same self-occupied house together, only one of them could withdraw the housing accumulation fund. - If an employee who owns a property right house in this city buys a house in another place, and the place where the house is bought is not the workplace or household registration of the employee (spouse), the housing accumulation fund (including the repayment of the principal and interest of the house purchase loan) shall not be withdrawn for the purchase of the house. - For employees who have no property rights in this city, if they purchase houses in the neighboring areas of Nanjing City, they will be able to purchase houses according to the local conditions if they meet the relevant regulations such as self-occupation. - If an employee purchases a third or higher house, and the employee himself has withdrawn the housing accumulation fund twice or more due to the purchase of the house, the housing accumulation fund will not be withdrawn; if the spouse has withdrawn the housing accumulation fund twice or more due to the purchase of the house, the housing accumulation fund will not be withdrawn. 2. ** Withdraw from Nanjing Metropolis Circle's house purchase (Nanjing City's employee deposit)** - Nanjing City paid employees purchase self-occupied housing in other cities in Nanjing metropolis circle (including Changzhou, Zhenjiang, Yangzhou, Huai 'an, Wuhu, Ma' an, Chuzhou, Xuancheng) and enjoy the same city treatment of housing accumulation fund. ** 2. Withdrawing rental fees ** 1. ** Before the New Deal ** - The employee needs to continuously pay the housing accumulation fund in full for three months, and the employee and his or her spouse have no property rights in the city and can withdraw the rental housing. In terms of processing time, it could be processed once every quarter, and the withdrawal time interval was greater than or equal to three months (calculated as 90 days). 2. ** After the New Deal (pilot)** - In the "Southeast Youth Exchange" long-term rental apartment pilot accumulation fund monthly direct rent business, involving 10 projects, covering seven major administrative districts in Nanjing and Jiangbei New District, radiating more than 5000 suites. The Nanjing Provident Fund deposit employee who rented the project submitted an application for monthly direct payment of rent to the rental store. After information entry and system review, the housing accumulation fund of the applicants would be automatically transferred to the account of the rental agency, and they could also enjoy preferential policies such as deposit exemption and rent discount. ** 3. Withdraw from resignation (registered permanent residence is not Nanjing City)** 1. ** Conditions ** - If an employee terminated their labor relationship with the unit, and their household registration moved out of the city or was not in the city, and their housing accumulation fund account was sealed for half a year and did not continue to deposit the housing accumulation fund in another place, they could apply for a one-time withdrawal of the housing accumulation fund. 2. ** Materials processing ** - Foreign household register (household registration transfer certificate); ID card; statement that the housing accumulation fund has not been deposited in the foreign place (signed by the employee at the counter window); bank card deposited in the bank. 3. ** Method of handling ** - ** Data can be inquired through shared information **: You can apply for it in the "Nanjing Provident Fund" APP and "My Nanjing" app. - The process was as follows: - Enter the Nanjing Provident Fund App and complete the registration. - After logging in successfully, click [My] at the bottom of the page, click [Identity Verification], and enter the self-service business declaration page. After clicking [I have read and accepted], he entered the identity verification page. - After the authentication was successful, he entered the bound phone page, entered the phone number, clicked [Obtain Captcha], entered the received text message Captcha, and clicked [Submit]. - After the submission is successful, click [Business Hall] below, and click [Withdraw from Resigned Non-local Household Registration] to enter the self-service business declaration page (This transaction can only be operated after real-name verification). He clicked [I have read and accepted] to enter the business page. - You can choose to withdraw the account (Provident Fund account or subsidy account) according to the account situation. If there is a subsidy account, please withdraw the subsidy account first; if there is no subsidy account, you can choose the Provident Fund account. After verifying the information, he entered the bank card number, then verified the text message. After the verification was completed, he clicked [Withdraw]. - ** Unable to inquire about data through shared information **: The employee brings the relevant supporting materials to the service branch of the deposit bank to apply for withdrawal of housing accumulation fund, and the withdrawn housing accumulation fund will be transferred to the bank card of the deposit bank of the employee housing accumulation fund.
How to withdraw the Nanjing Provident Fund in my Nanjing
The process of withdrawing the accumulation fund from My Nanjing APP was as follows: First, open My Nanjing app and click "More" in the community column. Then, in the "Government Affairs" column, select "Nanjing Real Estate". First, let the landlord publish the property, then both parties sign the rental contract online, and finally submit it for filing. Whether the filing was successful or not, you can see it in "rental". Find my filing and check the situation. After the record was successfully filed, the relevant departments would review it regularly. The results of the review could be found in the "Wisdom Society"-"rental subsidy". It should be noted that the withdrawal of housing accumulation fund requires the provision of relevant materials, which must be verified by the unit and issued with a withdrawal certificate. The employee shall apply for withdrawal of housing accumulation fund from the housing accumulation fund management center with the withdrawal certificate. The housing accumulation fund management center shall make a decision to approve the withdrawal or not within 3 days from the date of acceptance of the application and notify the applicants. If the withdrawal is approved, the payment procedures shall be handled at the entrusted bank. In addition, if you can check the data through the shared information, you can also apply for other types of accumulation fund withdrawal services in my Nanjing app. The general process is to register and log in to perform identity authentication and other operations. According to the account situation, select the account to withdraw. After verifying that the information is correct, enter the bank card number, and then verify the text message. After the verification is completed, click [Withdraw]. If the data could not be inquired through the shared information, the employee would need to bring the relevant supporting materials to the deposit bank service outlet to apply for the withdrawal of the housing accumulation fund. If the procedures were complete, the approval would be completed within 1 working day. If the verification materials were required, the approval would be completed within 3 working days. The withdrawn housing accumulation fund would be transferred to the employee's bank card.
How do I get my accumulation fund in Nanjing?
If the employee terminated the labor relationship with the unit, and the household registration moved out of the city or the household registration was not in the city, the housing accumulation fund account was sealed for half a year and did not continue to deposit the housing accumulation fund in another place: 1. ** When data can be queried through shared information **: - You can apply for it at the "Nanjing Provident Fund" APP and "My Nanjing" app. - Enter the Nanjing Provident Fund App and complete the registration and login. After logging in successfully, click [My] at the bottom of the page, click [Identity Verification] and enter the self-service business declaration page. After clicking [I have read and accepted], you will enter the identity authentication page. After the authentication is successful, you will enter the bound mobile phone page, enter the mobile phone number, click [Obtain Captcha], enter the received text message Captcha, and click [Submit]. After the submission is successful, click [Business Hall] below, click [Withdraw from resignation and account closure of foreign account] to enter the self-service business declaration page (This transaction can only be operated after real-name authentication). [I have read and accepted] to enter the business page. You can choose to withdraw the account (Provident Fund account or subsidy account) according to the account situation. If there is a subsidy account, please withdraw the subsidy account first. If there is no subsidy account, you can choose the Provident Fund account.] After verifying the information, he entered the bank card number, then verified the text message. After the verification was completed, he clicked [Withdraw]. 2. ** When data cannot be queried through shared information **: - The employee must bring the foreign household register (household migration certificate), ID card, declaration of not continuing to deposit the housing accumulation fund in the foreign place (sign at the counter window), bank card of the deposit bank and other relevant supporting materials to the deposit bank service outlet to apply for withdrawal of housing accumulation fund. The withdrawn housing accumulation fund will be transferred to the bank card of the employee housing accumulation fund deposit bank. If it is to rent a house and withdraw the accumulation fund (take the Southeast Youth Exchange Long-term Apartment rental pilot project as an example): 1. The Nanjing Provident Fund employees who rented the project submitted an application for monthly direct payment of rent to the rental store. 2. After the information was entered and the system reviewed, the housing accumulation fund of the applicants would be automatically transferred to the account of the rental agency. If it was a house purchase withdrawal (taking the purchase of commercial housing as an example): 1. He should provide the Commercial House Sales Contract (pre-sale/current sale) registered by the real estate transaction management department, the down payment receipt, the original ID card, the household register or social security payment materials provided for the purchase of houses in other places, the bank card deposited in the bank, etc. The purchase time shall be subject to the pre-sale (current sale) contract filing time, and then apply for withdrawal according to the specified procedures. If it is a loan repayment withdrawal (using the counter to repay the accumulation fund loan in advance as an example): 1. The housing accumulation fund loan of the Borrowers and their spouse in Nanjing Center has not been settled; if the Borrowers and their spouse sign a monthly repayment agreement for the accumulation fund loan, the account must retain a balance of not less than 12 times the monthly deposit amount at the time of signing the agreement. If the conditions are met, the application for withdrawal shall be made according to the prescribed procedures.