How to get provident fund for buying a house in Guangzhou
Recently, Guangzhou's provident fund withdrawal policy has become a hot topic, and many citizens are concerned about how to use provident funds to buy houses or repay loans. This article will introduce in detail the conditions, procedures, required materials and common questions for withdrawing housing provident funds in Guangzhou, and attach structured data for reference.
1. Guangzhou provident fund withdrawal conditions
According to the latest regulations of the Guangzhou Housing Provident Fund Management Center, you can apply to withdraw the provident fund if you meet one of the following conditions:
| Extraction type | Applicable conditions |
|---|---|
| House Purchase Withdrawal | 1. Purchase a self-occupied house in Guangzhou 2. Apply within 2 years from the date of signing the house purchase contract |
| Loan repayment withdrawal | 1. Repay the principal and interest of the home purchase loan 2. You can withdraw it once a year, and the cumulative withdrawal amount does not exceed the repaid principal and interest of the loan. |
| Rent extraction | 1. Do not own a house in Guangzhou and live in rented house 2. The monthly withdrawal amount shall not exceed the actual rent. |
2. Extraction process and required materials
The following are the specific steps and necessary documents for Guangzhou Provident Fund withdrawal:
| steps | Operation content | Materials required |
|---|---|---|
| 1. Make an appointment online | Make an appointment through the "Guangzhou Housing Provident Fund" WeChat official account or official website | ID card, provident fund account number |
| 2. Submit application | Bring the materials to the designated outlet for processing | 1. Original ID card 2. House purchase contract/real estate certificate 3. Loan contract (loan repayment and withdrawal) 4. Bank card |
| 3. Review and disburse loans | The review will be completed within 3 working days and the funds will be transferred to the bank card. | - |
3. Answers to hot questions
Based on the recent high-frequency questions asked by netizens, the summary is as follows:
| question | answer |
|---|---|
| Can I withdraw money if I buy a house in another place? | Withdrawals are only available for home purchases in Guangzhou, Foshan, Qingyuan, Dongguan and other Greater Bay Area cities. |
| Withdrawal limit | The withdrawal for house purchase shall not exceed the total house payment, and the withdrawal for loan repayment shall not exceed the principal and interest repaid. |
| Couples applying jointly | A marriage certificate is required, and both parties can withdraw their respective account balances separately. |
4. New policy changes in 2023
According to the latest notice from the Guangzhou Housing Provident Fund Management Center in October:
| Adjust content | specific changes |
|---|---|
| Rental withdrawal amount | The monthly upper limit is raised to 1,400 yuan for single employees and 2,800 yuan for married employees. |
| Loan repayment withdrawal frequency | Adjusted from once a year to automatic deduction every month |
| Online processing scope | New online processing channel for second-hand house purchase and withdrawal |
5. Handling suggestions
1.Prioritize online processing: 80% of the withdrawal business can be completed through the "Guangdong Province" mini program, without queuing on site.
2.Pay attention to time points: House purchase withdrawal must be applied for within 2 years after the contract is registered. If it is overdue, it will be deemed to be automatically abandoned.
3.Consulting channels: Dial 12329 hotline or visit Sanyin Building, No. 12 Huajiu Road, Zhujiang New City for on-site consultation.
Guangzhou's provident fund policy continues to be optimized, and citizens who want to buy a house are advised to pay attention to official updates in a timely manner. The data in this article are as of October 2023. The specific implementation is subject to the latest announcement of the Provident Fund Center.
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