Units and their employees pay housing provident fund in full and on time. If its employees meet any of the following circumstances, they may apply to the Municipal Provident Fund Center to extract the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(five) to repay the principal and interest of the purchase of owner-occupied housing loans;

(six) the rent exceeds the proportion of family wage income 15%;

(seven) non Huizhou household registration of migrant workers and units to terminate the labor relationship;

(eight) laid-off and unemployed men over 45 years old (including 45 years old) and women over 40 years old (including 40 years old);

(nine) the employee is dead or declared dead, and his successor or legatee applies for withdrawing the balance stored in the employee housing provident fund account;

(ten) life is difficult, is receiving urban subsistence allowances;

(eleven) employees who enjoy the minimum living guarantee for urban residents;

(twelve) unemployed for more than two years and family life is seriously difficult;

(13) Family life is seriously difficult due to serious illness of oneself, spouse and immediate family members.

Workers in accordance with the provisions of the preceding paragraph (two), (three), (four), (seven), (eight) and (nine) extraction of housing provident fund, it should also cancel the employee housing provident fund account.

Workers shall withdraw housing provident fund in accordance with the provisions of items (1), (5), (6), (10), (11), (12) and (13) of the preceding paragraph, and the storage balance in the employee housing provident fund account after withdrawal shall not be less than 10 yuan.

Two, about Guangdong Huizhou housing provident fund extraction rules.

Provident fund withdrawal process:

1. The unit manager goes to the banking service outlets to receive and purchase the housing provident fund withdrawal application and cash (transfer) check;

2. When employees apply for withdrawal of housing provident fund, they shall provide relevant certification materials to the unit in accordance with regulations. After verification, the unit shall fill in the Application for Withdrawal of Housing Provident Fund and cash (transfer) cheque, and affix the reserved seal. When employees who have individual accounts of housing provident fund in centralized households in the management center withdraw housing provident fund, they should bring relevant supporting materials directly to the business hall of the management center or the counter of the management department of the district and county sub-centers to apply;

3. Employees shall, in accordance with regulations, bring the Application Form for Withdrawing Housing Provident Fund and relevant supporting materials to the banking service outlets (district and county sub-center management departments) to apply for withdrawing housing provident fund;

4. After the information provided by the staff is qualified, the staff will extract and review the staff, print the acceptance receipt and submit it to the staff for confirmation, and submit the copy of the acceptance receipt 1 and the original supporting materials to the staff;

5, the extraction of housing provident fund into the employee's own housing provident fund joint card savings account.

Three, Huizhou provident fund other housing consumption extraction

Subjectivity of the law: According to Article 6 of Huizhou City Housing Provident Fund Withdrawal Operation Standard, children can withdraw their parents' provident fund when buying a house, which is divided into two situations. The first is underage children. When minor children buy a house, parents can withdraw the housing provident fund. The second is adult children. If the house is purchased by adult children and parents, in professional legal terms, that is, parents are the owners of the house purchased by their children, in this case, parents can withdraw the provident fund down payment; If the adult children and parents are the same borrower of the house, then parents can also withdraw the provident fund for repayment. It should be noted that if parents buy a house together with their parents and do not apply for a housing loan at the same time, they can only withdraw the down payment from their parents' provident fund, but not according to the application for repayment of principal and interest, that is, they cannot withdraw the provident fund to repay the loan every month. In addition, if the children are the parents of the same buyer or the same borrower, and one parent pays the provident fund in different places, the amount of the provident fund will be allocated according to the agreed proportion. For example, a house of 100 square meters, 40 square meters is yours and the other 60 square meters is parents', then the extraction situation will be extracted according to this ratio. Suppose that the previous example has a down payment of 400,000 yuan, your parents' provident fund can withdraw 240,000 yuan, and your own provident fund can withdraw 6.5438+0.6 million yuan. If there is no agreed proportion, the default allocation withdrawal amount is equal. If there is no agreed property right ratio for the house purchased jointly by children and parents, the purchase price shall be distributed equally according to the number of people. For example, if you buy a house with your parents with a mortgage of 400,000 yuan, you and your parents can withdraw 200,000 yuan from their respective provident funds. It is also based on this method to allocate the withdrawal amount (there is no common loan between parents and children for provident fund loans). If you are an adult and the house you bought is not signed by your parents, then your parents are not the owners of the property, and you can neither apply for a down payment nor apply for withdrawal according to the repayment of the loan principal and interest. The above is the relevant knowledge compiled by Bian Xiao for everyone. I believe you have a general understanding through the above knowledge. If your situation is complicated, online lawyer consultation service is also provided. You are welcome to have legal consultation.

Legal objectivity: Article 25 of the Regulations on the Management of Housing Provident Fund, if an employee withdraws the balance stored in the housing provident fund account, it shall be verified by his unit and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

4. How to withdraw Huizhou Provident Fund?

Brand model: Xiaomi 12SPro

System version: MIUI 13.0. 13.

Software version: Alipay 10.3.20.85

Huizhou housing provident fund personal extraction, click Alipay Citizen Center provident fund extraction to extract. The specific operation is as follows.

Click 1 to withdraw the public status of the civic center, and click the civic center.

Click on Citizen Center in Alipay interface.

2, click on the provident fund.

Click on the provident fund in the Civic Center interface.

3. Set sail to open the provident fund withdrawal.

In the provident fund interface, click Extract Provident Fund to widen the extraction.

Legal basis "Housing Provident Fund Management Regulations"

Article 11? Housing accumulation fund management

(a) the preparation and implementation of housing provident fund collection and use plan;

(Deposit, withdrawal and use of Fannie and Freddie provident fund, etc. ;

(three) responsible for the accounting of housing provident fund;

(four) the examination and approval of housing provident fund

(five) responsible for the preservation and return of housing provident fund;

(six) the preparation of housing provident fund collection and use plan.

(seven) to undertake other matters decided by the housing provident fund management committee.

Article 12? The Housing Provident Fund Management Committee shall be a commercial bank (hereinafter referred to as the entrusted bank) that conforms to the provident fund financial business of the People's Bank of China; The housing provident fund management center shall be established, deposited and returned by the financial industry such as provident fund loans and settlement.

The housing provident fund management center shall sign an entrustment contract with the entrusted bank.

The first form, you can extract the employee's life balance:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(3) completely terminating labor relations;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(proportional.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, he can withdraw the storage balance in the employee housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Article 25? If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve the withdrawal or not to invite the person; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.