It is related to your provident fund withdrawal, and the latest and most comprehensive handling guide is here. – 夜上海论坛|爱上海419论坛|上海后花园论坛|上海龙凤网论坛

"Foshan housing provident fund extraction management measures"

Implemented on March 1, 2024.

Repayment of principal and interest of house purchase loan can be withdrawn once a month.

(Related links) If the repayment of principal and interest withdrawal business has been successfully declared before March 1, 2024, the original agreement shall be terminated first, and then the withdrawal account shall be renewed. When reporting, you can choose the withdrawal frequency that needs to be changed, such as monthly. For the first withdrawal of repayment of principal and interest after March 1, 2024, you can choose to withdraw on a monthly basis when applying.

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Let’s learn how to handle it together.

Extraction of principal and interest of housing provident fund for repayment of house purchase loan

Scope of acceptance

(a) the first extraction of housing

1. The applicant is a paid employee in this city and his personal account has not been cancelled.

2. Withdraw the applicant and his/her spouse to use the housing loan to purchase owner-occupied housing in Chinese mainland during the marriage.

3. The location of the house to be purchased shall be the domicile of one of the applicant’s husband and wife or the place where the housing provident fund is paid.

4. Failing to apply for the loan repayment business of housing provident fund in this Municipality (hereinafter referred to as the loan repayment with provident fund), or using portfolio loans to purchase houses in this Municipality and having applied for the loan repayment with provident fund, after the loan repayment with provident fund, there is still a balance in the personal account and the withdrawal amount has not been completed.

5 housing provident fund has been paid off in loans overdue.

(2) Re-extraction of the house (i.e., extension of the withdrawal account)

Long press to identify the QR code below.

"Re-extraction of the same house for housing provident fund"

(three) to extract the repayment interest part of the principal and interest of the house purchase loan.

1. The extracted house is registered with the information of house purchase loan;

2. The property right of the house has not changed;

3 housing provident fund has been paid off in loans overdue.

Required materials

1. Extract the applicant’s ID card (employees with non-resident ID cards provide certificates for deposit registration, and online declaration is free);

2. Withdraw the applicant’s own bank account (see note 2);

3. Letter of Commitment for Withdrawal of Housing Provident Fund (Power of Attorney);

4. Property right certificate (before the property right certificate is issued, provide the house sales contract filed by the real estate administrative department);

5. Purchase invoice;

6. Loan contract;

7. Marriage certificate (if the owner-occupied house is purchased during the marriage [after marriage] and only one person’s name is registered in the title certificate, the spouse [the party without registered property rights] must provide it when reporting for withdrawal; If you buy a self-occupied house in a different place, you must provide it to extract the applicant’s spouse’s account or deposit it in the local house for extraction);

8. Household registration book (if the owner-occupied house is purchased in different places, the extractor’s household registration book is located at the location of the house, and the applicant’s household registration book is provided; Extract the applicant’s spouse’s household registration in the location of the house, and provide the household registration book of the applicant’s spouse; Non-off-site purchase of self-occupied housing is not required);

9. Proof of repayment interest (the loan repayment interest certificate issued by the bank shall be provided when the interest part is extracted. The certificate must include the lender’s name, ID number, total loan amount, loan address, whether the loan has been paid off, the total loan repayment interest and other information; Apply for housing provident fund loans in this city, do not need to provide proof of interest on provident fund loans. )

Description of application materials:

1. The application materials provided shall be original; Authorized by the extraction applicant, the provident fund center obtains the information of application materials through information sharing, and the extraction applicant does not need to provide corresponding paper materials. If the business is handled offline, after the business is completed, all other materials will be returned on the spot and will not be collected, except for the Letter of Commitment on Housing Provident Fund Withdrawal (Power of Attorney).

2. Bank account

The provident fund center shall pay the withdrawal funds by bank transfer, and the withdrawal funds shall be transferred to the bank account in my name agreed by the provident fund center and the withdrawal applicant. The bank account provided by the withdrawal applicant must be valid without setting transfer restrictions, and the account information must be accurate and complete. The bank account can be a debit card or a current passbook of any of the following banks: China Construction Bank, China Industrial and Commercial Bank, China Bank, China Agricultural Bank and Shunde Rural Commercial Bank, or a social security card with financial account function. When the withdrawal amount is more than 10,000 yuan, the bank account provided must be a first-class account.

Processing time limit

(1) Time limit for commitment processing: 3 working days, and 7 working days for the first purchase of a house in a different place. The time required for investigating and verifying the behavior of employees and the authenticity of certification materials from relevant departments is not counted in the time limit for processing.

(two) under normal circumstances, the city’s housing will be reported immediately.

(3) Time limit for extraction:

1. The applicant for withdrawal shall apply during the loan repayment period, and monthly withdrawal is allowed during the loan repayment period, and each withdrawal shall be one month or more apart; After the loan is settled, if the house has not been sold and the amount has not been withdrawn, you can apply for withdrawal once within one year after the settlement.

2. If the applicant meets a variety of housing consumption situations at the same time, only one situation can be used to apply for extraction. If the applicant applies for withdrawal with the same housing consumption situation (repayment of the principal and interest of the house purchase loan), each withdrawal shall be at least one month apart.

(4) After the successful renewal of withdrawal remittance, the remittance can only be made after the last remittance time reaches the withdrawal interval, and the automatic remittance is made at the same time. Before each withdrawal remittance, it will be reviewed again to confirm whether it meets the withdrawal remittance requirements. After the approval, the withdrawal funds will be transferred to the bank account provided by the drawer within 3 working days (if it is postponed on Saturday, Sunday or holiday).

Handling procedure

(a) the first extraction of housing

1. Online processing

(1) Website of Foshan Housing Provident Fund Management Center

Declaration process: log on to the website of Foshan Housing Provident Fund Management Center → click on "Personal Online Service Hall (Entrance)" → The employee himself will log on to the personal online hall by SMS or face recognition → click on "I want to handle it" → click on "Personal Extraction" → click on "Repaying the principal and interest of the housing loan" → click on "Next" to enter the declaration page. For specific operation instructions, please log on to the website of Foshan Housing Provident Fund Management Center-Service Guide.

Long press to identify the QR code below.

Operation Manual and Demonstration of Personal Netroom

Inquiry progress: log on to the website of Foshan Housing Provident Fund Management Center → click on "Personal Online Service Hall (Entrance)" → The employee logs on to the personal online hall by SMS or face recognition → click on "I want to inquire" → "Extraction" → "Personal extraction business" to inquire about the business status and audit results (reasons for returning the products).

If the Audit Result is not fully displayed, you can move the mouse to the content of the Audit Result, and the detailed audit result will be displayed. You can also move the mouse to the right of the Audit Result column and drag the column length to the right to make it fully displayed. Or use the export data button at the bottom of the interface to download the business information of the interface to the local area for viewing through excel. It is recommended to log in with Google Browser.

(2) "Foshan Provident Fund" WeChat WeChat official account

Declaration process: Go to the WeChat WeChat official account of Foshan Provident Fund → Click on "Service" → Click on "Personal Online Service" → The employee will log in by SMS or face recognition → Click on "Business Hall" → Click on "Repaying the principal and interest of the house loan" → Click on "I want to withdraw" to enter the declaration page. For specific operation instructions, please visit the website of Foshan Housing Provident Fund Management Center-Service Guide-Online Operation Guide.

Long press to identify the QR code below.

Personal WeChat Operation Manual and Operation Demonstration

Inquiring about the progress: Go to the WeChat WeChat official account of Foshan Provident Fund → click on "Service" → click on "Personal Online Service" → The employee will log in by SMS or face recognition → click on "Extract" under the "I want to inquire" column on the home page → click on "Personal Extraction Business" to inquire about the business status and audit results (reasons for returning items).

If the "Audit Result" is not fully displayed, you can select the corresponding business and click "View Details".

2. Offline processing

Submit the application for materials-accept the review-get the results.

(2) Re-extraction of the house (i.e., extension of the withdrawal account)

Long press to identify the QR code below.

"Re-extraction of the same house for housing provident fund"

(three) to extract the repayment interest part of the principal and interest of the house purchase loan.

1. Online processing

(1) Website of Foshan Housing Provident Fund Management Center

Log on to the website of Foshan Housing Provident Fund Management Center → Click on "Personal Online Service Hall (Entrance)" → Employees will log on to the personal online hall by SMS or face recognition → Click on "I want to handle it" → Click on "Housing Information Maintenance" → Select the house that needs to increase loan interest, click on "Add Loan Interest" to enter the declaration page → Select "House Identification Type" and improve the housing information → Check the type of loan interest that needs to be added → Enter. (The processing progress can be found in "House Information Maintenance" → "Maintenance Records". )

For specific operation instructions, please visit the website of Foshan Housing Provident Fund Management Center-Service Guide-Online Operation Guide-and check the Operation Manual and Operation Demonstration of Personal Netroom.

Long press to identify the QR code below.

Operation Manual and Demonstration of Personal Netroom

Portfolio loans, can also declare the new provident fund loan interest and commercial loan interest; Apply for housing provident fund loans in this city, do not need to provide proof of interest on provident fund loans. After the successful interest increase, if the withdrawal agreement has expired, it is necessary to apply for a second withdrawal of the house (withdrawal and transfer renewal).

(2) "Foshan Provident Fund" WeChat WeChat official account

On the WeChat WeChat official account of Foshan Provident Fund → Click on "Service" → Click on "Personal Online Service" → The employee logs in by SMS or face recognition → Click on "Business Hall" → Click on "Housing Information Maintenance" → Select the house that needs to increase the loan interest, and click on "Add Loan Interest" to enter the declaration page → Select "Housing Identification Type" and improve the housing information → Select the type of loan interest that needs to be added. (The processing progress can be found in "House Information Maintenance" → "Maintenance Records". )

For specific operation instructions, please visit the website of Foshan Housing Provident Fund Management Center-Service Guide-Online Operation Guide-and check the Personal WeChat Operation Manual and Operation Demonstration.

Long press to identify the QR code below.

Personal WeChat Operation Manual and Operation Demonstration

2. Offline processing

Submit the application for materials-accept the review-get the results.

Handling procedure

(1) Offline handling

Original title: "It is related to your provident fund withdrawal, and the latest and most complete handling guide is coming."

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