Recently, Beijing Housing Provident Fund Management Center officially issued the Notice on Further Improving Services and Strengthening the Collection and Management of Housing Provident Funds. Compared with before, business process materials such as provident fund withdrawal and account opening have been greatly "slimmed down". Since September this year, the business process of provident fund has been completed at one time, and five supporting materials such as retirement certificate have been cancelled. It is no longer necessary to submit many supporting materials such as purchase contract when buying a house in Beijing. By then, these new measures will cover all districts in the city. In any of the following circumstances, you can withdraw the storage balance in the housing provident fund account. 1. Purchase commercial housing within the administrative area of Beijing. 2. Purchase affordable housing and price-limited commodity housing within the administrative area of Beijing and pay the down payment for the above two kinds of housing. 3. Purchase public housing within the administrative area of Beijing, and raise funds for cooperative housing construction. 4. Purchase houses rebuilt, demolished and resettled within the administrative area of Beijing. Use the loans of Beijing Housing Provident Fund Management Center (including the combined loans of housing provident fund and commercial banks) to purchase houses and withdraw housing provident fund. The intransitive verb buys a house outside the administrative area of Beijing. Seven. Purchase housing outside the administrative area of Beijing with loans from commercial banks and loans from different places. Eight. Non-first extraction of the same house. Nine. Rent a house to withdraw. Ten, in the administrative area of Beijing to buy overhaul, renovation, self occupied housing. XI。 Withdraw employee retirement account cancellation. Twelve. Inheritance, if the legatee withdraws the housing provident fund in accordance with Items (1), (5), (6), (7) and (8) of Article 4 of these Measures, the spouse may also withdraw the housing provident fund from his account. Note: the rental period is one year. For more than one year, you must go to the management department or the banking institution entrusted with the collection of housing provident fund to re-examine the qualification of no housing record or public rental housing. If the original contract and lease invoice of leased commodity housing are provided for the handling materials, they shall be withdrawn once every quarter from the date of approval, and the monthly withdrawal amount shall not exceed the monthly deposit amount or monthly rent of my housing provident fund. For renting public rental housing, the original and photocopy of the applicant's ID card, the original contract and invoice of public rental housing shall be provided, which shall be fully extracted according to the actual rental expenditure. Provide commercial housing contracts, lease invoices or public rental housing contracts, lease invoices, and one of the spouses has applied to withdraw the rental housing provident fund. When providing proof of the relationship between husband and wife, they can apply for withdrawal, but the monthly withdrawal amount of the rented housing of both spouses shall not exceed the sum of the monthly deposit amount of the housing provident fund and the monthly rent of both parties. The conditions for the heirs and legatees to apply for withdrawal: If an employee dies or is declared dead, his legal heirs and legatees may apply for withdrawal of the housing accumulation fund of the deceased employee. The housing accumulation fund of the deceased employee is directly transferred to the bank account of the heir or legatee, or transferred to the heir or legatee through the bank account of the unit where the deceased employee works. Application conditions for handling special matters of materials: cancellation of employees' exit settlement account; Foreigners, Hong Kong, Macao and Taiwan personnel and units terminate labor relations; Completely lose the ability to work and terminate the labor relationship with the unit; Being sentenced to death, life imprisonment or fixed-term imprisonment during his term of office and reaching the statutory retirement age of the state; You can apply for cancellation of the housing provident fund account. Although there is not much material accumulation fund, I almost bought a house. I can't afford it now, but I can see if I can afford the rent!

Legal objectivity:

Regulations on the administration of housing provident fund

Article 24

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account;

If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.