Guangzhou’s new regulations on housing provident fund withdrawal are released, and the scope of withdrawal is wider.
BEIJING, Dec. 25 (Xinhua)-Guangzhou Housing Provident Fund Management Center disclosed the notice on printing and distributing the measures for the administration of Guangzhou housing provident fund withdrawal on the 25th.
The notice is clear,If the depositor meets any of the following circumstances, he may apply for withdrawing the storage balance in the housing provident fund account:
(a) the purchase of owner-occupied housing within the administrative area of this Municipality; Purchase self-occupied housing in the province where the depositor or spouse is registered;There is no self-owned housing within the administrative area of this Municipality, and the owner-occupied housing is purchased in Guangdong Province.
(two) the construction, renovation and overhaul of owner-occupied housing within the administrative area of this Municipality; Construction, renovation and overhaul of owner-occupied housing in the province where the depositor or spouse is registered; There is no self-owned housing within the administrative area of this Municipality, and self-occupied housing is built, renovated or overhauled in Guangdong Province.
(three) in the administrative area of this Municipality, the depositor, spouse or both parents have the ownership of the existing residence to add elevators.
(four) the depositor and his spouse, minor children in the administrative area of this Municipality have no own property housing and rent a house for self-occupation.
(5)Laid-off and unemployed persons, men over 45 years old and women over 40 years old, have been laid off and unemployed for 12 months in a row until the month of application.
(six) non registered employees and units to terminate or terminate the labor relationship, not to continue to deposit in different places, accounts sealed for half a year.
(7)Retired or retired.
(eight) completely lose the ability to work, and terminate the labor relationship with the unit.
(9)Leaving the country to settle down.
(10) If the depositor dies or is declared dead, his heirs and legatee may apply for withdrawing the balance stored in the depositor’s housing provident fund account.
(eleven) other circumstances stipulated by the state, Guangdong Province and Guangzhou City.
In terms of extraction frequency and quotaAs mentioned in the notice, those who purchase self-occupied houses by non-mortgage shall apply within two years of actually paying the house purchase price, and can withdraw once every three months, and the total amount of withdrawal shall not exceed the actually paid house purchase price.
In addition, if the owner-occupied house is purchased by mortgage, an application can be made before the settlement of the house purchase loan, and the total amount of withdrawal shall not exceed the actual principal and interest paid for the house purchase. The use of the city’s housing provident fund loans, the withdrawal of the per capita should apply for monthly repayment, with the deposit account as the only repayment account, deducted according to the deduction order agreed in the loan contract until the loan is settled.
The housing provident fund deposit shall give priority to the repayment of housing provident fund loans. During the monthly repayment period, the drawee can withdraw the balance of the account once, and the withdrawal amount does not exceed the actual down payment, and the balance of the housing provident fund account can also be used to repay the housing provident fund loan in advance. After the loan is settled, it can be withdrawn once every 3 months until the accumulated withdrawal amount reaches the total amount. If the loan is not repaid on a monthly basis, it can be withdrawn once every 3 months until the accumulated withdrawal amount reaches the total amount that can be withdrawn.
Extraction procedure aspectWhen the depositor applies for withdrawing the housing provident fund, it shall submit relevant materials to the provident fund center (the specific materials required shall be determined and published by the provident fund center according to the actual situation), and the provident fund center shall make a decision on whether to approve or disapprove the withdrawal within 3 working days from the date of receiving the withdrawal application; If the withdrawal is approved, the entrusted bank shall go through the payment formalities.
If the depositor meets the extraction conditions of these measures, he shall apply for extraction; If the depositor dies or is declared dead, his successor or legatee shall apply for withdrawal; If the depositor is really in difficulty and cannot apply for withdrawal in person, he may entrust the unit housing provident fund business manager, spouse, lineal blood relative or notary to entrust others to apply for withdrawal; Persons with no capacity for civil conduct and persons with limited capacity for civil conduct shall apply for extraction by their guardians.
On the same day, Guangzhou Housing Provident Fund Management Center releasedPolicy Interpretation of Guangzhou Housing Provident Fund Withdrawal Management Measures.
1. Q: Where can the depositor withdraw the housing provident fund when buying a house?
Answer: In any of the following circumstances, the depositor or spouse can withdraw:
1. Purchase owner-occupied housing with ownership in Guangzhou;
2. Purchase owner-occupied housing with ownership in the province where I or my spouse is registered;
3. Guangzhou has no self-owned housing, and buys self-occupied housing with ownership in other cities in Guangdong Province.
2. Q: Where can the depositor withdraw the housing accumulation fund when building, renovating or overhauling the house?
Answer: In any of the following circumstances, the depositor or spouse can withdraw:
1. Construction, renovation and overhaul of owner-occupied housing with ownership in Guangzhou;
2. Construction, renovation and overhaul of owner-occupied housing with ownership in the province where I or my spouse is registered;
3. If Guangzhou has no housing with its own property rights, build, renovate or overhaul the owner-occupied housing with ownership in other cities in Guangdong Province.
3. Q: How do depositors who jointly purchase houses divide the withdrawal amount of housing provident fund?
A: The total withdrawal amount of all extractors shall not exceed the actual purchase expenditure. If the property owner is a spouse, the withdrawal amount is not divided into proportions. If the property owner is a non-spouse relationship, if the property share of the house has been clearly defined, the extractable amount shall be calculated according to the property share; If the share of property rights is not clear, the withdrawal amount shall be calculated on average according to the number of property owners.
4. Q: Can the depositor who repays the loan on a monthly basis withdraw the housing provident fund during the monthly repayment period?
Answer: You can withdraw the balance of your account at one time, and the withdrawal amount shall not exceed the actual down payment. If the account balance has been withdrawn once during the monthly repayment period, it cannot be withdrawn again, but the remaining account balance can be used to repay the housing provident fund loan in advance.
5. Q: Can the depositor who repays the loan on a monthly basis withdraw the housing provident fund after the housing provident fund loan is settled?
A: Yes. After the housing provident fund loan is settled, it can be withdrawn once every 3 months until the accumulated withdrawal amount reaches the total amount.
6. Q: How often can a purchaser who fails to repay the loan on a monthly basis withdraw the housing provident fund?
A:You can extract it once every 3 months.Until the cumulative withdrawal amount reaches the total amount that can be withdrawn.
7. Q: When should I apply for the withdrawal of housing provident fund from the recorded lease contract? How to calculate the withdrawal limit?
Answer: After the depositor has paid in full (excluding supplementary payment) for three consecutive months, he will apply within the lease period, and the withdrawal amount shall not exceed the actual paid rent. The calculation method of withdrawal amount is actual monthly rent × actual lease months. There is no limit on the area of the leased house, but if the monthly rent exceeds 40% of the average monthly salary of employees in this city last year, the excess cannot be extracted.
8. Q: What is the withdrawal amount for which there is no lease contract or the lease contract has not been filed?
A: At present, it is 1,400 yuan per person per month. According to the Notice of Guangzhou Housing Provident Fund Management Committee on Continuing to Implement Guangzhou Provident Fund Management Committee [2015] No.5 Document (Guangzhou Provident Fund Management Committee [2021] No.1), the withdrawal amount can be calculated from January 2015, not earlier than my account opening time.
9. Q: How to calculate the withdrawal amount of multi-child families who have no lease contract or whose lease contract has not been filed?
A: For families with two or more children (at least one child is underage), the withdrawal amount can be increased by 40%, that is, the monthly withdrawal amount of each depositor is ×(1+40%), which is currently 1,400 yuan× (1+40%) = 1,960 yuan.
10. Q: How often can a depositor who applies for renting a house withdraw his housing provident fund?
A: It can be extracted once every three months.
11. Q: Under what circumstances can the depositor apply for adding an elevator to the existing house?
A: In the administrative area of this Municipality, depositors can apply in any of the following circumstances:
1. Adding an elevator to the existing residence owned by himself or his spouse;
2. Adding elevators to the existing houses owned by my parents;
3. Adding an elevator to the existing residence owned by the spouse’s parents.
12. Q: What channels can depositors apply for withdrawal of housing provident fund?
A: The depositor can apply through the website of Guangzhou Housing Provident Fund Management Center or WeChat WeChat official account, or go to the branch of the collection bank of Guangzhou Housing Provident Fund Management Center. (Zhongxin Jingwei APP)
Source: Zhongxin Jingwei