How to withdraw provident fund as an individual: Hot topics and practical guides on the Internet in the past 10 days
Recently, provident fund withdrawal has become one of the hot topics on social platforms. Especially with the optimization of policies in many places, many netizens are concerned about how to use provident funds efficiently. This article will combine the hot topics on the Internet in the past 10 days, structure the process, conditions and precautions for withdrawing provident funds, and provide practical data for reference.
1. Inventory of hot provident fund topics across the Internet (last 10 days)
| Ranking | hot topics | Number of discussions (10,000) | Related policies |
|---|---|---|---|
| 1 | Simplified materials for renting provident fund withdrawals | 28.5 | Cancellation of rental contract filings in many places |
| 2 | Calculation method of provident fund loan amount | 19.2 | New rules for base adjustment in 2024 |
| 3 | Conditions for withdrawing provident fund after employment | 15.7 | Inter-provincial service is launched |
| 4 | Expansion of scope of medical extraction for serious illnesses | 12.3 | 7 new categories of diseases were included |
2. Analysis of the entire provident fund withdrawal process
1. Common extraction conditions
| Type | Applicable situations | Materials required |
|---|---|---|
| House Purchase Withdrawal | First suite/improved room | House purchase contract, down payment invoice |
| Rent extraction | Homeless workers | ID card, proof of no house ownership |
| Withdrawal on resignation | Seal for 6 months | Resignation certificate, bank card |
2. Online processing steps (taking Alipay as an example)
① Open Alipay → Civic Center → Provident Fund
② Select the extraction type → fill in personal information
③ Upload electronic version of materials → Submit for review
④ Payment will be received within 3 working days (real-time payment in some cities)
3. Important reminders of the 2024 New Deal
•Inter-provincial service:Support online application from other places (covering 31 provinces and cities across the country)
•Increase in quota: The rent withdrawal limit in Shenzhen and other places has been raised to 3,000 yuan per month
•Streamlining materials: Beijing and other 16 cities have canceled paper application forms
4. Answers to high-frequency questions
| question | Official reply |
|---|---|
| Will the loan be affected after withdrawal? | The account balance affects the loan limit, and the deposit amount for 12 months needs to be retained |
| Can I withdraw the second house? | Only the first house can be withdrawn in full, and the second house can be withdrawn based on the repayment amount. |
| What should I do if the arrival time is delayed? | Contact 12329 to verify bank account information |
5. Expert advice
1. Give priority to provident fund loans (the interest rate is 3.1%, which is 1.5% lower than commercial loans)
2. It is recommended that rent withdrawals be processed on a monthly basis to avoid wasting the annual limit.
3. Before resigning and withdrawing, confirm whether the new unit supports transfer from another place.
Note: The statistical period of the data in this article is from July 1 to July 10, 2024. The specific policies are subject to the latest notices from local provident fund centers.
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