Does provident fund management center go anywhere
The relevant departments handling the withdrawal of provident fund shall handle the withdrawal proceres of provident fund
according to Article 25 of the regulations on the administration of housing provident fund, if an employee withdraws the balance in the housing provident fund account, his unit shall verify it and issue a withdrawal certificate
employees should apply to the housing provident fund management center for withdrawing the housing provident fund with the withdrawal certificate. The management center of housing provident fund shall make a decision on whether to withdraw or not within 3 days from the date of accepting the application, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment proceres
extended data:
1. The management center of housing provident fund performs the following ties:
1
2. Responsible for recording the deposit, withdrawal and use of employees' housing provident fund
Responsible for the accounting of housing provident fund To examine and approve the withdrawal and use of housing provident fund Responsible for the maintenance and return of housing provident fund To compile the report on the implementation of housing accumulation fund collection and use plan To undertake other matters decided by the housing provident fund management committee (2) in case of any of the following circumstances, employees can withdraw the balance in their housing provident fund account:1
(2) retired or retired 3. Totally losing the ability to work and terminating the labor relationship with the unit (4) emigration and settlement5
6. The rent exceeds the prescribed proportion of family wage income
according to item 2.3.4, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be cancelled at the same time
if the employee dies or is declared dead, the heirs and bequests of the employee can withdraw the balance in the employee's housing provident fund account; If there is no heir or bequeath, the balance in the employee's housing provident fund account shall be included in the value-added income of the housing provident fund
reference materials: Yueyang provident fund management center - regulations on housing provident fund management
the lending banks of provident fund loans are ICBC, BOC and CITIC Bank; Cooperative banks will graally increase, and it is expected that all banks handling provident fund loans will be opened within next year. Indivial housing provident fund loan of Bank of China refers to the loan issued by local housing provident fund management centers using housing provident fund to entrust commercial banks to deposit housing provident fund for purchasing, constructing, renovating and overhauling houses
extended information:
application process
1. Submit information
when the borrower applies for a provident fund loan from the management department of the provident fund management center where he / she deposits the provident fund, if he / she chooses the Guarantee Center to provide guarantee, he / she should submit all the materials required for his / her personal loan application, including personal and spouse's ID card, household registration book, marriage certificate, etc Divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc
2. Approval notice
after the loan application has passed the preliminary examination, the management department will issue the guarantee application approval notice, print the loan contract, mortgage (counter guarantee) contract and other relevant legal documents, and hand over all personal loan information to the Guarantee Center
3. Approval
the Guarantee Center reviews the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center issues the approval opinion for guarantee application; If the borrower entrusts an intermediary agency to handle the provident fund loan, the agency shall be responsible for the guarantee application proceres and collect the guarantee service fee
4. Payment
the borrower shall pay the guarantee service fee according to the approved approval opinion of guarantee application. The Guarantee Center shall issue the guarantee service fee invoice and affix the official seal of the Guarantee Center to the approved legal documents such as loan contract, mortgage (counter guarantee) contract and custody contract< Transfer of materials: the approved personal loan application materials (including the sealed contract) shall be transferred to the housing provident fund management department by the Guarantee Center; If the agency is entrusted, the agency shall be responsible for the transmission of the above information< 6. Sign the contract
the housing provident fund management department supervises and guides the loan applicant to sign the loan contract, mortgage (counter guarantee) contract and other relevant legal documents
reference: Sogou - provident fund loan
unless you are unemployed and have no work unit, you can not pay social security. If the insured goes abroad, he or she can apply to withdraw the amount of his or her personal account, or if the insured dies, his or her family can withdraw it
hope to help you.
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