The housing provident fund is one of the "five insurances and one fund" that we often call. The housing provident fund paid by employees and employee units for employees is a personal savings deposited by employees in accordance with regulations and specifically used for housing

• The housing provident fund is one of the "five insurances and one fund" that we often refer to. The housing provident fund paid by employees and employee units for employees is a personal savings deposited by employees in accordance with regulations specifically for housing consumption expenses, belongs to individual employees.

• In fact, the salary is still your salary, but part of the salary is used for housing, and it is "dedicated only." Moreover, enterprises and individuals contribute equally to the provident fund, which greatly reduces our housing pressure!

Payment ratio

To withdraw the provident fund, the premise is that there must be money in it. So let’s talk about how to pay. After the adjustment of Nanchang Housing Provident Fund in June 2016, the contribution ratio of units and individuals was 12%.

Calculated based on a monthly salary of 5,000, the part that individuals and companies need to pay is 5,000 x 12% = 600. That is, the provident fund item on your salary slip will show a deduction of 600 every month. Individuals and businesses paid 1,200 yuan. The editor believes that everyone is very good at mathematics and can calculate this account~

Deposit business handling outlets

How to withdraw the provident fund and put it into renting a house

Meet the conditions

In this case, each Can the provident fund paid monthly be withdrawn to pay rent? slow! You must first make sure you meet these conditions, and then prepare the information.

• Employees who have paid housing provident funds in full for more than 3 months;

• Employees who have not purchased housing within the administrative area of ​​this city and their spouses have used housing provident funds

Extraction process

Individual application--unit review--Management center approval--Entrusted bank payment

required materials

original and copy of ID card , the original housing provident fund joint card

and the withdrawal certification materials

application form

in duplicate "Nanchang Housing Provident Fund Employee Withdrawal Application Form" (stamped with the official seal of the unit) ↓↓ can be downloaded and printed from the provident fund management center website or received at the management center

housing provident fund joint name Card (original)

Other materials

• ID card (original and copy)

• Proof of marriage relationship (if married, provide the original and copy of the marriage certificate; if unmarried, provide the certificate of unmarried status issued by the marriage registration agency; if divorced, provide the certificate of unmarried status issued by the marriage registration agency) Proof of remarriage))

• Those who rent public rental housing: provide the house rental contract and rent invoice (original and copy). Those who rent commercial housing: provide the certificate issued by the real estate management department of the place where the housing provident fund is deposited, in the name of the employee and his or her spouse. Proof of real estate (original)

Processing without real estate certificate: Deposit-paying employees in Nanchang City urban area can log on to the "Nanchang Real Estate Information Network" (www.ncfdc.com.cn) government affairs platform homepage and click on the "Nanchang Real Estate Information Inquiry" link , enter the query result that there is no house, and print out the real estate information query form as proof of the query result that there is no real estate.In other places in Nanchang, you need to go to the housing management department to issue a certificate

Notes

• Those who rent public rental housing can apply to withdraw the housing provident fund once a year. The total amount withdrawn by the employee and his spouse shall not exceed the actual rental amount paid for the year;

• Rental products For housing , you can apply to withdraw the housing provident fund once a year, and the time interval between the last application and the last application shall not be less than 12 months. The total amount withdrawn by the employee and his/her spouse shall not exceed the rental withdrawal limit determined by the Nanchang Housing Provident Fund Management Committee for that year.

Withdrawal business outlets

Other uses of provident funds

Provident funds can be used for other purposes besides being withdrawn to pay rent! As long as it's related to housing, it can be linked to the provident fund. For example, withdrawing provident fund to buy a house and paying off the mortgage... The editor will focus on using provident fund loans to buy a house.

Loan to buy a house

• Maximum amount of provident fund loan

Region	Single worker (10,000/household)	Couple (10,000/household)
City area	50 5	60
Nanchang County	40	50
Jinxian County	30	40
Anyi County	30	40
New District	50	60
Wanli District	40	50

Regional division According to the " House Ownership Certificate ", handle the ownership relationship (excluding Wanli District) to determine

If you have any doubts about the loan calculation, the convenient way is to go through the Nanchang Housing Provident Fund Management Center website and use before officially applying for the loan. Loan auxiliary calculation function performs loan amount calculation and repayment plan trial calculation , select the most appropriate repayment method and loan period

• provident fund loan down payment ratio

On October 24, the Nanchang Housing Provident Fund Management Center issued the "About Personal Housing Provident Fund" "Notice on Loan Policy Adjustments", which adjusts the minimum down payment ratio for provident fund loans.Do you think this means purchase restrictions from the provident fund side~

Loan purchase conditions

• Have a permanent urban residence or valid residence status in this city

• Provident fund loans are used to purchase self-occupied houses in this city, and there must be a legal house purchase contract or agreement

• Have a certain proportion of down payment for house purchase that meets the regulations

• Have paid and deposited the housing provident fund in full for more than 6 months (inclusive) for more than 6 months, and have not yet

  withdrawn or used the housing provident fund in my account

• Guaranteed and capable of repaying

Materials for loan purchase of a house

• Accurately filled out "Nanchang Housing Provident Fund Loan Application Form" 2 copies

• Proof of identity, original and copy of the homepage and detailed pages of the household registration book, if the borrower does not have a permanent residence in this city , at the same time, provide the original and 2 copies of the valid proof of residence in this city

• The original and 2 copies of the marriage status certificate

• 2 original copies of the economic income certificate

• 1 original copy of the " Personal Credit Report " of the People's Bank of China Credit Information System , 2 original copies of the "Provide Fund Loan Commitment Letter", 2 original copies of the Letter of Integrity Guarantee;

Loan Business Office

Well, we have learned about the provident fund.

Everyone knows how to rent a house with the provident fund.

Source of pictures and texts: Nanchang Metro Life circle