Questions and answers on housing provident fund withdrawal

2025年9月26日 | admin | bb

　　1. What are the conditions for employees to withdraw housing provident fund?

　　In any of the following circumstances, the employee may withdraw the storage balance in the housing provident fund account:

　　1, the purchase, construction, renovation, overhaul occupied housing;

　　2. Retired;

　　3, completely lose the ability to work, and terminate the labor relationship with the unit;

　　4. Leaving the country to settle down;

　　5. Repaying the principal and interest of the owner-occupied housing loan;

　　6. renting a house for self-occupation;

　　7, life is difficult, is receiving the urban minimum living allowance;

　　8. Encountering unexpected events, causing serious difficulties in family life;

　　9, migrant workers, and the unit to terminate the labor relationship;

　　10. Dead or declared dead;

　　11. Other circumstances stipulated by Beijing Housing Provident Fund Management Committee.

　　If the employee withdraws the housing provident fund on the grounds of the above-mentioned situations 1, 5, 6, 7 and 8, his spouse may also withdraw the housing provident fund from his account at the same time.

　　2. What relevant certification materials should employees provide when withdrawing housing accumulation fund for the first time due to the purchase of commercial housing, affordable housing or cooperative housing or fund-raising housing?

　　1. Original and photocopy of the house purchase contract;

　　2. Original and photocopy of the purchase invoice;

　　3. Extract the original and photocopy of the employee’s ID card;

　　4. Withdraw the employee’s own bank savings account;

　　5. Extract the application form.

　　If the employee’s spouse withdraws the housing provident fund, in addition to the above information, it is also necessary to provide the original and photocopy of the husband-wife relationship certificate and the copy of the record of the main buyer’s withdrawal of the housing provident fund.

　　If there are more than two buyers in the purchase contract (or agreement), the first buyer from the left is the main buyer; If there is only one buyer in the purchase contract (or agreement), the buyer is the main buyer.

　　The withdrawal of housing accumulation fund for house purchase should be made by the main buyer first, and then the spouse or other joint buyers can withdraw it.

　　3. What relevant certification materials should employees provide when they purchase second-hand houses and withdraw housing provident fund for the first time?

　　1. Original and photocopy of the real estate license;

　　2. Original and photocopy of deed tax payment certificate;

　　3. Extract the original and photocopy of the employee’s ID card;

　　4. Withdraw the employee’s own bank savings account;

　　5. Extract the application form.

　　In addition to the above information, employees’ spouses need to provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the record sheet of the main buyer’s withdrawal of housing provident fund.

　　4. What relevant certification materials should employees provide when they first withdraw housing provident fund for purchasing public housing?

　　1. The original and photocopy of the purchase agreement or other purchase certificates issued by the housing management department of the unit;

　　2. Original and photocopy of the purchase receipt;

　　3. Extract the original and photocopy of the employee’s ID card;

　　4. Withdraw the employee’s own bank savings account;

　　5. Extract the application form.

　　In addition to the above information, employees’ spouses need to provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the record sheet of the main buyer’s withdrawal of housing provident fund.

　　5. What relevant certification materials should employees provide when they withdraw housing provident fund for the first time due to overhaul or renovation of their own houses?

　　1. The original and photocopy of the overhaul certificate and property right certificate of the housing management or property department;

　　2. Original and photocopy of detailed invoice for purchased materials;

　　3. Extract the original and photocopy of the employee’s ID card;

　　4. Withdraw the employee’s own bank savings account;

　　5. Extract the application form.

　　In addition to the above information, employees’ spouses should also provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the main buyer’s withdrawal record.

　　6. What relevant certification materials should employees provide when they first withdraw the housing provident fund due to self-built self-occupied housing?

　　1, planning, housing management department homestead approval or building approval documents and a copy of the original;

　　2. Original and photocopy of the invoice for purchasing materials and construction fees;

　　3. Extract the original and photocopy of the employee’s ID card;

　　4. Withdraw the employee’s own bank savings account;

　　5. Extract the application form.

　　In addition to the above information, employees’ spouses need to provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the main building owner’s withdrawal record.

　　7. What relevant certification materials should employees provide when they withdraw housing provident fund for the first time because they repay the principal and interest of housing loans?

　　1, the original and copy of the loan contract;

　　2. The original and photocopy of the house purchase contract;

　　3. Original and photocopy of the down payment invoice;

　　4. Extract the original and photocopy of the employee’s ID card;

　　5. Withdraw the employee’s own bank savings account;

　　6. Extract the application form.

　　In addition to the above information, employees’ spouses should also provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the main buyer’s withdrawal record.

　　8. What relevant certification materials should employees provide when they withdraw housing provident fund for the first time because they pay rent (on the grounds of renting a house)?

　　1. The original and photocopy of the house lease contract;

　　2. The original and photocopy of the rent invoice issued by the local tax department or the entrusted tax collection unit;

　　3. Extract the original and photocopy of the employee’s ID card;

　　4. Withdraw the employee’s own bank savings account;

　　5. Extract the application form.

　　In addition to the above information, employees’ spouses should also provide the original and photocopy of the husband-wife relationship certificate and the copy of the main renter’s withdrawal record.

　　9. What relevant certification materials should employees provide when withdrawing housing provident fund due to retirement?

　　1. The original and photocopy of the certificate of divorce or retirement or the relevant certificate of the labor department;

　　2. Extract the original and photocopy of the employee’s ID card;

　　3. If there is no divorce or retirement certificate, the original and photocopy of the employee’s ID card shall be provided if the male is over 60 years old and the female is over 55 years old;

　　4. Withdraw the employee’s own bank savings account;

　　5. Extract the application form.

　　Ten, workers completely lost the ability to work, and the termination of labor relations with the unit, what relevant certification materials should be provided when applying for the withdrawal of housing provident fund?

　　1. The original and photocopy of the appraisal certificate of workers’ incapacity issued by the labor department;

　　2. The original and photocopy of the unit’s certificate of termination of labor relations;

　　3. Extract the original and photocopy of the employee’s ID card;

　　4. Withdraw the employee’s own bank savings account;

　　5. Extract the application form.

　　XI. What relevant certification materials should employees provide when withdrawing housing accumulation fund for settling abroad?

　　1, passport visa, the original and photocopy of the account cancellation certificate issued by the public security department;

　　2. Withdraw the employee’s own bank savings account;

　　3. Extract the application form.

　　Twelve, because of the difficulties of life, workers are receiving the urban minimum living allowance, and what relevant certification materials should be provided when withdrawing the housing provident fund for the first time?

　　1, "Beijing city residents minimum living guarantee Jinling evidence" and a copy of the original;

　　2. Extract the original and photocopy of the employee’s ID card;

　　3. Withdraw the employee’s own bank savings account;

　　4. Extract the application form.

　　13. What relevant certification materials should be provided when employees encounter unexpected events and cause serious difficulties in family life for the first time?

　　1, "emergency extraction application form" (unit seal);

　　2. In case of an emergency of the spouse or lineal blood relative of the employee, proof materials that can prove the relationship with the employee shall be provided;

　　3. The extraction certificate issued by the employee’s unit or street after verification;

　　4. Extract the original and photocopy of the employee’s ID card;

　　5. Withdraw the employee’s own bank savings account;

　　6. In case of major diseases, in addition to the supporting materials in items (1) to (5) of this article, it is also required to provide: a, the diagnosis certificate of the hospital; B. List of medical expenses provided by the hospital;

　　7. In case of unforeseeable accidents and disasters, in addition to the certification materials in items (1) to (5) of this article, the following documents must be provided: a. Certification materials issued by the unit, sub-district office or relevant departments; B. Detailed invoices for expenses borne by individuals;

　　8. Extract the application form.

　　Fourteen, migrant workers and units to terminate the labor relationship, apply for withdrawal of housing provident fund, what relevant documents to provide?

　　1. The original and photocopy of the household registration certificate;

　　2. Original and photocopy of the certificate of dissolution of labor relations;

　　3. Extract the original and photocopy of the employee ID card;

　　4. Withdraw the employee’s bank savings account;

　　5. Extract the application form.

　　15. What relevant certification materials should be provided when employees withdraw housing provident fund due to death or being declared dead?

　　1. Original and photocopy of death certificate;

　　2. The original and photocopy of the notarial certificate issued by the notary department or the judgment, ruling or mediation made by the people’s court on the employee’s inheritance right or bequest right;

　　3. The bank savings account number of the legal heir or legatee;

　　4. Original and photocopy of the ID card of the legal heir or legatee;

　　5. If there are more than two inheritors or legatees, a power of attorney signed by all the inheritors or legatees shall also be provided, and the authorized person in the power of attorney shall be the same person as the bank savings account used to withdraw the housing provident fund;

　　6. Extract the application form.

　　16. What are the specific procedures for withdrawing housing provident fund?

　　1. The unit shall verify the relevant extraction certification materials and photocopies provided by individual employees, and qualified managers of the unit shall fill in the Application for Extraction of Housing Provident Fund and the Inventory of Extraction of Housing Provident Fund uniformly printed by the Housing Provident Fund Management Center, and submit an application for extraction to the account opening management department with the originals and photocopies of relevant certification materials. (Employees in centralized sealed households can go to their management department with relevant materials.)

　　2. The personnel of the management department shall review the extracted materials, amount, times and personal account information. For those who meet the extraction conditions, go through the extraction procedures; Do not meet the extraction conditions, not allowed to extract, and inform them of the reasons for not allowing the extraction.

　　Extraction conditions: the personnel of the management department input relevant information into the system, establish a Record Sheet of Housing Provident Fund Extraction for the first employee, and stamp the purchase invoice (or purchase receipt, down payment invoice, rent invoice, tax payment voucher, purchase material invoice) with the words "housing provident fund extraction has been handled".

　　4, management personnel input "housing provident fund withdrawal list" and confirm the personal savings account;

　　5. After the withdrawal is confirmed, the personnel of the management department will print an Application for Withdrawal of Housing Provident Fund and an Inventory of Withdrawal of Housing Provident Fund in duplicate. If the withdrawal is cancelled, it is also necessary to print an Interest Statement for Cancellation of Personal Housing Provident Fund.

　　6. The personnel of the management department shall affix their seals on the Application Form for the Extraction of Housing Provident Fund filled in by the unit, and the first copy shall be returned to the unit manager together with the Mechanism List for the Extraction of Housing Provident Fund and the Individual Housing Provident Fund Account Closing Sheet, and the second copy shall be filed together with the Mechanism Application Form for the Extraction of Housing Provident Fund, the Unit List for the Extraction of Housing Provident Fund and the Mechanism List for the Extraction of Housing Provident Fund;

　　7. The settlement department of the housing provident fund management center receives the housing provident fund withdrawal data reported by the management department, classifies and summarizes them, and after checking them correctly, handles the fund transfer and transfers them to the designated personal bank savings account within 3 working days.