Five insurances and one fund is a topic that everyone can't get around. A lot of money is put into the provident fund account every month, but you can only hope for money.How to extract the provident fund smoothly is probably what everyone wants to know.
Today, Dalian agent bookkeeping will be sorted out for you. In addition to buying a house, what other situations can be extracted from the accumulation fund.
For those who rent houses and the rent exceeds the proportion of family wage income, they can apply for the withdrawal amount of accumulation fund every month.The proportion depends on the policy of each region.
For example, in Hangzhou, before June 30, 2020, the balance of my housing provident fund account can be withdrawn on a monthly basis, and the withdrawal amount will be increased by 50% according to the existing standard.
Shenzhen, for example, used to be 65%.From July 1 to the end of this year, the proportion of housing provident fund withdrawn from rental housing will be increased from 65% of the amount to be deposited in that month to 80%.From January 1, 2021, it will return to 65%.
At present, Beijing, Wuhan, Nanjing, Shanghai, Guangzhou, Chongqing, Chengdu, Hangzhou and other places rental housing provident fund withdrawal amount are increased.
Purchase, build, rebuild, overhaul self housing
Generally, you can withdraw the balance in your personal account.
Among them, if I and my family members have two or more houses in total, the amount that can be withdrawn shall not exceed 60% of the balance in the account at the time of application, and shall not exceed the total purchase price.
For those who have not applied for housing loan, the balance of the account can be up to one year after signing the order (construction and repair) contract;For those who have applied for housing loans, the balance of the account shall be as of the month of the purchase (construction) contract;If the balance of my account exceeds the total amount of the actual expenses for purchasing (building and repairing) houses, it shall be withdrawn according to the actual expenses.
Repayment of self owned housing
To repay the principal and interest of the loan for purchase and construction of self housing, the accumulation fund can also be drawn.
When I and my family members have only one house in total, the monthly withdrawal amount shall not exceed the actual repayment amount of the employee in the previous month.
If the employee and his / her family members have two or more houses in total, the monthly withdrawal amount shall not exceed 60% of the deposit amount in the month of application.
The third set of housing is generally unable to draw housing provident fund.
I or my relatives are seriously ill
If he or her family members (spouse and minor children) suffer from serious diseases or major surgery, part of the accumulation fund can also be withdrawn to pay for the self-supporting part of the social insurance medical expenses after reimbursement, but the account cannot be withdrawn.
Some cases of one-time extraction
All of the above are partial withdrawals, and there are also one-time withdrawals for the provident fund. The details are as follows:
① Retired or retired;
② Lose the ability to work and terminate the labor relationship with the unit;
③ To settle down abroad;
④ The employee dies or is declared dead;
⑤ Enjoying urban living security;
⑥ Those who have been unemployed for more than two years, whose average monthly income is lower than the local wage standard, and whose family life is in serious difficulty;
⑦ The household registration is not local and has applied for the transfer procedures of the relationship between the basic endowment insurance and the basic medical insurance;
⑧ Those who are sentenced to death penalty, life imprisonment or fixed-term imprisonment while in service and reach the legal retirement age of the state at the end of the term of imprisonment
Of course, there will be differences.The specific policies published on the local official website shall prevail.