How to withdraw the housing provident fund in full? Latest policies and operational guidelines
Recently, the housing provident fund withdrawal policy has become a hot topic, especially the conditions and procedures for “full withdrawal” which have attracted widespread attention. This article will combine the hot discussions on the Internet in the past 10 days to provide you with a detailed analysis of the conditions, procedures and precautions for withdrawing the full amount of housing provident fund.
1. Conditions for full withdrawal of housing provident fund
According to the latest policy in 2023, you can apply for full withdrawal of housing provident fund if you meet one of the following conditions:
| Extraction conditions | Materials required | Applicable people |
|---|---|---|
| Retirement or retirement | ID card, retirement certificate/retirement certificate | Persons who have reached the statutory retirement age |
| Complete incapacity to work | ID card, labor ability appraisal certificate | Persons disabled due to illness or work-related injury |
| Settling abroad | ID card, immigration visa/settlement certificate | People who plan to live abroad for a long time |
| dead or declared dead | Death certificate, heir relationship certificate | Legal heirs of deceased employees |
| Buy/build/renovate your own home | House purchase contract, property ownership certificate, invoice, etc. | First home or improvement home buyers |
2. Hot topics: New policy changes in 2023
Hot topics of discussion online in the past 10 days include:
1.Rental withdrawal amount increased: The rental withdrawal limit has been adjusted in many places, up to 90% of the monthly deposit amount.
2.Withdrawals for home purchases in other places are relaxed: Some cities have canceled household registration restrictions and supported the withdrawal of properties purchased in other places.
3.Online processing is more convenient: The National Housing Provident Fund Mini Program realizes “inter-provincial processing”
3. Full withdrawal operation process (take online processing as an example)
| steps | Operation content | Things to note |
|---|---|---|
| 1 | Log in to the local provident fund official website/APP | Real-name authentication required |
| 2 | Select "Withdrawal Business" - "Full Withdrawal" | Check personal account balance |
| 3 | Upload supporting documents | Clear color scan required |
| 4 | Fill in bank card information | A personal account is required |
| 5 | Submit for review | Results will be available in 3-5 working days |
4. Frequently Asked Questions (recent high-frequency consultation)
1.Q: Can I withdraw the full amount after resignation?
A: Only when employees with non-local registered permanent residence resign and do not continue to make deposits in another place.
2.Q: Will the loan qualification be affected after withdrawal?
A: Yes! A decrease in the account balance after withdrawal will reduce the loan amount
3.Q: Can I entrust others to handle it?
A: A notarized power of attorney is required, and the trustee must bring the original ID cards of both parties.
5. Special reminder
1. Be wary of “provident fund withdrawal” fraud. Related cases have appeared in many places recently.
2. Stopping withdrawals 6 months in advance can restore loan qualifications
3. Policies vary among cities. It is recommended to consult the local rules through the 12329 hotline.
As an important housing security system, the housing provident fund's use policy is related to the vital interests of millions of families. It is recommended that depositing employees reasonably plan their use according to their actual situation, so that they can fully enjoy the policy dividends and reserve space for future housing needs.
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