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1. 1. When the employee withdraws the housing accumulation fund for the first time e to the purchase of second-hand housing, what relevant supporting materials should be provided
(1) the original and of the house property certificate
(2) original and of deed tax payment certificate
(3) extract the original and of the employee's ID card
(4) withdraw the employee's Bank savings account number
in addition to the above information, the spouse of the employee shall provide the original and of the proof of the relationship between the husband and wife, and the of the record sheet of the buyer< (1) the original and of the purchase contract or purchase agreement; and
(2) the original and of the purchase invoice
(3) extract the original and of the employee's ID card
(4) withdraw the employee's Bank savings account number
in addition to the above information, the spouse of the employee shall provide the original and of the proof of the relationship between the husband and wife, and the of the record sheet of the buyer< (1) the original and of the purchase agreement or purchase certificate issued by the housing management department of the unit
(2) the original and of the house purchase receipt
(3) extract the original and of the employee's ID card
(4) withdraw the employee's Bank savings account number
in addition to the above information, the spouse of the employee shall provide the original and of the proof of the relationship between the husband and wife, and the of the record sheet of the buyer< (1) the original and of the overhaul certificate and property right certificate issued by the housing management or property management department of the employee
(2) the original and of the detailed invoice for purchasing materials or the invoice for expenses apportioned to indivials
(3) extract the original and of the employee's ID card
(4) withdraw the employee's Bank savings account number
in addition to the above information, the spouse of the employee shall provide the original and of the proof of the relationship between the husband and wife, and the of the record sheet of the buyer. In addition to the above information, the spouse of the employee shall provide the original and of the proof of the relationship between the husband and wife, and the of the record sheet of the buyer.

2.

1、 The withdrawal of housing provident fund is limited, according to the relevant provisions should have the following conditions:

(1) the unit where the employees work and the employees themselves pay the housing provident fund in full every month

(2) in line with the provisions of Article 24 of the regulations on the administration of housing provident fund:

1. Purchase, construction, renovation and overhaul of self occupied housing; Among them, "purchase" means that employees buy houses and own the ownership of the houses they buy. Houses can be public housing, commercial housing, affordable housing and second-hand housing

"construction" refers to the construction of housing by urban residents with the approval of the real estate administration, urban planning administration and other departments“ "Redevelopment" refers to the demolition, design and reconstruction of houses“ Overhaul "refers to the need to move or replace part of the main components of the housing, but not all of the housing

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3. Totally losing the ability to work and terminating the labor relationship with the unit

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5

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7. The employee dies or is declared dead< (1) first, apply to the unit. After the unit reviews the relevant certificates submitted by the indivial, if it meets the withdrawal conditions, the unit shall fill in the approval form for indivial withdrawal of housing provident fund and affix the reserved seal< (2) the handling personnel or indivial employees of the unit shall hold the approval form for indivial withdrawal of provident fund together with the original and of relevant supporting materials to the provident fund center (hereinafter referred to as the provident fund center for opening an account) which establishes the housing provident fund account for the unit for approval. After the provident fund center completes the approval and entry business, the special seal for approval of provident fund shall be stamped on the approval form for indivial withdrawal of provident fund filled in by the unit

(3) the handling personnel or indivial employees of the unit shall handle the transfer business at the provident fund center where the account is opened by holding the approval form for indivial withdrawal of provident fund approved by the provident fund center and the "transfer voucher of housing provident fund management center" filled in and signed by the unit, and the provident fund center shall transfer the housing provident fund applied by the employees to the basic settlement account of the unit, The unit shall withdraw and pay to the employees< 3. Proceres for withdrawal of housing provident fund:

1. The withdrawal applicant or the client shall apply to the unit with the approval form for withdrawal of housing provident fund (if the housing provident fund loan has not been paid off, the approval form for withdrawal and repayment of housing provident fund loan) and relevant requirements

2. After verification, the unit shall affix the reserved seal on the approval form

extended information:

processing points

1. For the purchase of new commercial housing, the house ownership certificate or the house purchase contract and payment voucher filed by the real estate administrative department shall be provided

2. For purchasing second-hand houses, the purchase agreement or house ownership certificate and deed tax payment certificate filed by the real estate administrative department shall be provided

3. For those who build or rebuild houses, the approval documents and payment voucher of the planning department shall be provided

(4) for overhauling self occupied housing, provide the housing safety appraisal certificate, housing ownership certificate, project budget and final accounts and payment certificate issued by qualified institutions

5. For repayment of the principal and interest of housing loan, the house purchase contract, loan contract and repayment certificate issued by the bank filed by the real estate administrative department shall be provided

6. For renting self occupied housing, provide the housing lease contract, rent invoice and family income certificate registered by the housing management department

7. For those who retire or retire, provide their own retirement or retirement certificates or relevant certificates issued by the labor and personnel department

8, who have settled down from abroad, provide proof of registered residence cancellation or exit settlement; p> In case of death or declaration of death, the legal successor or donee shall provide the certificate of the depositor's death or declaration of death, the identity card of the successor or donee, the certificate of the right of inheritance or bequest, and the notarial certificate

For those who enjoy the minimum living security, the minimum living security certificate issued by the civil affairs department shall be provided

For those who completely or partially lose their labor ability and terminate the labor relationship with the company, the labor ability appraisal certificate issued by the human resources and social security department, the labor contract termination certificate or unemployment certificate issued by the company shall be provided

12. Other situations and materials provided by the municipal housing provident fund management center according to relevant laws and regulations

3. Company bank account withdrawal (cash withdrawal) with cash checks, reserved seal, operator's ID card: 1, must be a basic account can withdraw cash; 2. To fill in cash checks, and stamped with a full set of seals reserved in the bank: financial seal, corporate seal (the back should also be stamped); 3. The operator's ID card and check can be withdrawn at the bank counter. Points for attention: 1. Although all banks have basically realized universal deposit and cash withdrawal, those who have not yet seen universal deposit and cash withdrawal in the basic account have to go to the account opening point; 2. To go to the bank, you need to take the ID card of the operator, some of which need to be checked; 3. The people's Bank of China stipulates that the settlement certificate should also be brought, but now it is basically in name only; 4. If you withdraw a large amount of cash, you should make a plan in advance: if you withdraw more than 50000 yuan in cash from the bank, you should make an appointment to report the plan to the bank one day in advance; 5. The purpose of the check should be filled in (please contact the Bank of deposit for details): in addition to travel expenses and reserve fund, it can also be withdrawn in the form of salary and bonus

4. 1、 Self delivery mode:

self delivery is the most mainstream mode among the three logistics modes. It can grasp the two core "procts" and "logistics" of cross-border e-commerce, and many small and medium-sized enterprises are more inclined to choose this mode. However, e to its poor timeliness, it is difficult to guarantee the delivery time of procts, which has no shopping experience for consumers. Therefore, generally, some places of supply are relatively concentrated, and the merchants close to them have more advantages. The quantity of local warehouse orders is stable, and the delivery speed and time are easy to control<

advantages:

1. High flexibility, low storage cost

2. No need to press goods, no need to hoard goods, no risk of unsalable goods, what market fire can change proct selection ideas at any time

disadvantages:

1. Low proct ranking, Low exposure rate

2. It is easy to get bad comments from customers e to logistics reasons

conclusion: although it will lead to low ranking and bad comments, it is stable and free, and the delivery speed and time are easy to control. If the sellers do not care about the ranking, they may choose self delivery, and self delivery with obvious advantages is still the choice of most cross-border e-commerce< Overseas warehouse was once considered as the best way of cross-border e-commerce logistics delivery in recent years. Its core competitiveness lies in delivery speed and localized service. It is generally aimed at large enterprises and high-end proct stores. Businesses choose the right address to build their own overseas warehouse in the sales place, and deliver goods directly from overseas warehouse when consumers place orders, Fast and stable, but this mode requires a lot of capital and labor costs, which is relatively friendly for large businesses. In order to avoid risks, many cross-border e-commerce sellers will choose the mode of combining self delivery and overseas warehouse in the early stage, and only when it is relatively stable will they deliver the procts with good sales volume to foreign countries in batches

advantages:

1. Large platform flow

2. Fast delivery speed and stable time effect

3. Can well expand the local market of the warehouse

4. Logistics cost will be much lower than FBA

5. Improve customers' shopping experience

disadvantages:

1, Once the goods are unsalable, the pressure is very great, and even if the goods are sold out, a large number of replenishments need to be made in advance

2. It is difficult to control and manage, so it is easy to lead to overstock of goods and finally scrap

summary: the advantage of overseas warehouse is still huge, which is more suitable for sellers who have already done well in proct selection and proct optimization and sellers with their own brands. If the sellers who have the ability to build overseas warehouse and can bear the loss can choose to layout overseas warehouse, so as to improve the user experience. Ma Yun also said, "what customers want now is not service, but experience."< The full name of Amazon FBA is full filling by Amazon, which is translated into Chinese as Amazon logistics. As Amazon's "son", if you choose the official logistics, FBA will have a huge advantage

advantages:

1. Amazon will help delete the bad comments given by buyers e to logistics reasons,

2. Choosing Amazon FBA can also improve the listing ranking, help sellers become featured sellers and grab shopping carts, improve customer trust and increase sales

3. 7 * 24 Amazon professional customer service

4. The delivery time is very fast (most of the warehouses are close to the airport)

5. All FBA logistics expenses will be exempted for procts with unit price over 300 USD

disadvantages:

1. The overall cost is high

2. Poor flexibility and cumbersome operation (the buyer's return rate is easy to rise, thus increasing the cost of pressing goods. If the seller is an American FBA, the return address only supports the United States)

3. The FBA warehouse will not provide customs clearance service for the seller's first shipment

summary: with quite complicated proceres and high costs, FBA still has such a high status, just because for sellers, they can get the support of Amazon platform while maintaining a good user experience

each of the three modes has its own advantages and disadvantages. Sellers should choose the appropriate logistics mode according to their own actual situation. The key is to master the positioning of their own stores and the operation mode in line with their own proct and brand development routes. This is the pillar for the long-term development of cross-border e-commerce.

5.

1. Marriage certificate and are not required if the handler is not married

2. Identification materials. Married people need to provide ID card and of the couple, both of which are indispensable. It should be noted that this is not only for married people, unmarried single people also need to provide ID cards and copies

3. The property right certificate and its should be provided. This one is aimed at the person that has a room, if oneself do not have a room, but rent a room, what need to offer is the photo of the property right certificate of the house that rent

4. This article is for people who have retired or retired. If they want to withdraw the provident fund, they need to show the company's retirement certificate to the relevant departments

5. It's important to bring a series of copies of ID card, household registration book and so on

6. This information needs to be extracted from the provident fund center

extended data

application conditions

1. Urban employees and their units must continuously pay housing provident fund for one year

If the borrower purchases a commercial house, he must have no less than 30% of the total house price as the down payment

The borrower has stable economic income, good credit and the ability to repay the loan principal and interest

Only one spouse is allowed to apply for housing provident fund loan if both husband and wife deposit housing provident fund in full

5. A family can only apply for a housing provident fund loan to buy a house at the same time

6. The lender must have permanent residence or valid residence status in the province (city)

7. Agree to use the house as mortgage

(refer to online housing provident fund)

6. Cross border e-commerce logistics modes mainly include: traditional express bag mode, centralized delivery mode, overseas warehousing mode and international express mode
1. Traditional express package mode
traditional express package, also known as postal parcel, is the main logistics mode of cross-border e-commerce logistics in China, which is characterized by wide coverage, which is also the most suitable logistics mode for cross-border e-commerce. Postal parcel covers more than 230 countries and regions in the world, and can be delivered almost anywhere in the world. According to statistics, more than 70% of China's cross-border logistics packages are delivered through the traditional express package mode. However, postal parcels are increasingly unable to meet the development of cross-border e-commerce, because its logistics time is too slow, which seriously restricts its development
2. Centralized delivery mode
centralized delivery mode is also called special line logistics mode. Generally, packages from many buyers in the same region are sent to the destination country or region through special aviation lines, and then distributed through local cooperative companies or logistics branches. Because of the scale effect of the centralized package and the air transportation, the logistics efficiency and transportation cost of the centralized package will be higher than that of the postal package and lower than that of the international express
3. International express mode
international express mode is the fastest and most expensive mode of transportation. Its biggest advantage lies in service, excellent customer experience, but because of its high cost, unless the buyer specifically requires timeliness or transportation security, usually the seller will not take the initiative to choose the international express delivery mode to send goods. Therefore, the market share of international express delivery mode in cross-border e-commerce is relatively small
4. Overseas warehouse mode
the overseas warehouse mode is that the cross-border e-commerce Seller prepares the goods in advance to the logistics warehouse of the destination country, and after the customer places an order on the seller's e-commerce website or a third-party store, the goods are directly delivered to the customer from the overseas warehouse. This can improve the efficiency of logistics and bring customers high quality logistics experience. However, sellers usually only choose the best-selling procts for overseas warehouse stock.