How to withdraw provident fund when buying a house in Hangzhou
In recent years, Hangzhou, as a new first-tier city, has attracted a large number of talents to settle there, and the demand for home purchases has continued to grow. As provident fund is an important means of housing security, how to withdraw provident fund to buy a house has become the focus of many citizens. This article will introduce in detail the conditions, procedures, required materials and precautions for withdrawing provident funds when buying a house in Hangzhou, and attaches a structured data form to help you quickly understand the relevant policies.
1. Conditions for withdrawing provident funds when buying a house in Hangzhou
According to the regulations of the Hangzhou Housing Provident Fund Management Center, when employees purchase a self-occupied house in Hangzhou, they can apply to withdraw the balance in their provident fund account. The following are the basic conditions for withdrawing provident fund:
| condition category | Specific requirements |
|---|---|
| House purchase type | Purchase commercial housing, second-hand housing, affordable housing and other self-occupied housing |
| Provident fund deposit | Employees are required to contribute to the provident fund continuously for 6 months |
| Extraction time | Apply for withdrawal within 12 months after signing the house purchase contract |
| Withdrawal amount | The withdrawal amount shall not exceed the total purchase price |
2. The process of withdrawing provident fund when buying a house in Hangzhou
The process of withdrawing provident fund is divided into two methods: online and offline. The following are the specific steps:
| Process steps | Operating Instructions |
|---|---|
| Apply online | Log in to the "Zheli Office" APP or the official website of Hangzhou Housing Provident Fund, fill in the application form and upload materials |
| Apply offline | Bring the materials to the provident fund management center or designated bank branch for processing |
| review | Provident Fund Center completes the review within 3 working days |
| Funds arrive | After approval, the withdrawal amount will be transferred to the designated bank card within 1-3 working days |
3. Materials required to withdraw provident fund when buying a house in Hangzhou
When applying to withdraw provident fund, you need to prepare the following materials:
| Material name | Specific requirements |
|---|---|
| ID card | Original and copy |
| house purchase contract | The original and copy of the registered house purchase contract |
| down payment invoice | Original and copy of down payment invoice for house purchase |
| bank card | Hangzhou local bank card under my name |
| Other materials | If it is a second-hand house, the property certificate and deed tax payment certificate must be provided. |
4. Precautions
1.Extraction limit: The provident fund can only be withdrawn once for the same house, and the withdrawal amount shall not exceed the total purchase price.
2.Loan to buy a house: If you use a provident fund loan to buy a house, you need to ensure that the account balance is sufficient to repay the loan after withdrawing the provident fund.
3.Buying a house in another place: Employees who have paid provident funds in Hangzhou but purchased a house elsewhere must provide relevant certificates from the Housing Provident Fund Management Center of the place where they purchased the house.
4.Policy changes: The provident fund withdrawal policy may be adjusted according to market conditions. It is recommended to consult the provident fund center in advance or pay attention to official notices.
5. Popular questions and answers
Q: Will the loan amount be affected after the provident fund is withdrawn?
A: Yes. The provident fund loan limit is linked to the account balance, and withdrawal may result in a reduction in the loan limit.
Q: Can both husband and wife withdraw provident funds at the same time?
A: Yes. Both spouses can withdraw the provident funds from their respective accounts based on the house purchase contract.
Q: Are there any handling fees for withdrawing provident fund?
A: No need. Provident fund withdrawal is a free service and does not charge any handling fees.
Summary
Withdrawing provident funds when buying a house in Hangzhou is a policy that benefits the people. Reasonable use of provident funds can reduce the pressure of buying a house. This article introduces the withdrawal conditions, processes, materials and precautions in detail, hoping to help you smoothly handle the provident fund withdrawal business. If you have more questions, it is recommended to consult the Hangzhou Housing Provident Fund Management Center directly.
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