How to withdraw Shanghai provident fund
Provident fund is one of the important benefits for employees. Many Shanghai employees need to withdraw provident fund when buying, renting, renovating or encountering special circumstances. This article will introduce in detail the conditions, procedures, required materials and precautions for withdrawing Shanghai Provident Fund, to help you quickly understand how to withdraw Provident Fund.
1. Shanghai provident fund withdrawal conditions
According to the regulations of the Shanghai Provident Fund Management Center, employees can apply to withdraw provident funds under the following circumstances:
| Extraction conditions | Applicable situations |
|---|---|
| House Purchase Withdrawal | Purchase of self-occupied housing (including commercial housing, second-hand housing, affordable housing, etc.) |
| Rent extraction | Houseless workers rent housing |
| Loan repayment withdrawal | Repay the principal and interest of the home purchase loan |
| decoration extraction | Overhaul of owner-occupied housing |
| Withdrawal on resignation | Terminate the labor relationship with the employer and leave Shanghai |
| Retirement Withdrawal | Retire or reach statutory retirement age |
| Special case extraction | Critical illness, low-income families, etc. |
2. Shanghai provident fund withdrawal process
The process of withdrawing provident fund is usually divided into two methods: online and offline:
1. Online extraction process
(1) Log in to the official website of Shanghai Provident Fund Management Center or the “Shanghai Provident Fund” APP.
(2) Select "Extract Business" and fill in the relevant information.
(3) Upload the electronic version of the required materials.
(4) Submit the application and wait for review.
(5) After passing the review, the provident fund will be transferred to the designated bank card.
2. Offline extraction process
(1) Bring the required materials to the Shanghai Provident Fund Management Center or designated bank outlets.
(2) Fill in the "Housing Provident Fund Withdrawal Application Form".
(3) Submit materials and wait for review.
(4) After passing the review, the provident fund will be transferred to the designated bank card.
3. Materials required for Shanghai Provident Fund withdrawal
The materials required for different extraction conditions are different. The following are the materials required for common extraction situations:
| Extraction type | Materials required |
|---|---|
| House Purchase Withdrawal | ID card, house purchase contract, real estate certificate, down payment invoice, etc. |
| Rent extraction | ID card, rental contract, proof of not having a house, etc. |
| Loan repayment withdrawal | ID card, loan contract, repayment certificate, etc. |
| decoration extraction | ID card, real estate certificate, decoration contract, etc. |
| Withdrawal on resignation | ID card, resignation certificate, foreign employment certificate, etc. |
| Retirement Withdrawal | ID card, retirement certificate, etc. |
| Special case extraction | ID card, hospital diagnosis certificate, minimum living allowance certificate, etc. |
4. Things to note when withdrawing Shanghai Provident Fund
1.Withdrawal limit: Different withdrawal conditions have different limit limits. For example, withdrawals for renting a house can withdraw up to 3,000 yuan per month, and withdrawals for buying a house can withdraw 70% of the account balance.
2.Extraction frequency: Some types of withdrawals (such as renting a house) need to be applied for once a year, and withdrawals for house purchases are usually processed in one go.
3.material authenticity: Submitted materials must be true and valid, otherwise extraction may be refused.
4.Account status: Before withdrawing, it is necessary to ensure that the provident fund account is in normal condition and that there is no freeze or underpayment.
5.Consulting channels: If you have any questions, you can call the Shanghai Provident Fund Management Center customer service hotline 12329 for consultation.
5. Summary
The withdrawal process of Shanghai provident fund is relatively clear, and employees can choose to handle it online or offline according to their own circumstances. Before withdrawing, be sure to understand the relevant conditions and material requirements to avoid delays due to incomplete materials or incompatible materials. The provident fund is an important benefit for employees. Proper use of the provident fund can reduce economic pressure and improve living conditions.
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