How to get housing provident fund in Luoyang: latest policies and application guide
The housing provident fund is one of the important benefits for employees. Proper withdrawal of the provident fund can alleviate the pressure of buying, renting or living a house. Recently, the Luoyang Housing Provident Fund Management Center has released the latest withdrawal policy. This article will introduce in detail the withdrawal conditions, processes, materials and frequently asked questions of Luoyang Housing Provident Fund to help you quickly handle the business.
1. Conditions for withdrawing housing provident fund in Luoyang
According to the regulations of Luoyang Housing Provident Fund Management Center, employees who meet one of the following conditions can apply to withdraw housing provident funds:
| Extraction type | Applicable conditions |
|---|---|
| House Purchase Withdrawal | Purchase of self-occupied housing (including commercial housing and second-hand housing) |
| Rent extraction | Not owning a house and living in rented housing |
| Pay off mortgage | Repay the principal and interest of the home purchase loan |
| Retirement Withdrawal | Employees retire or reach the statutory retirement age |
| Withdrawal on resignation | Termination of labor relationship with the employer and no re-employment |
| Extraction of serious diseases | An employee or his or her immediate family member suffers from a serious illness |
2. Luoyang housing provident fund withdrawal materials
Different extraction types require different materials. The following is a list of materials required for common extractions:
| Extraction type | Materials required |
|---|---|
| House Purchase Withdrawal | 1. House purchase contract or real estate certificate 2. Down payment invoice or deed tax payment certificate 3. ID card, bank card |
| Rent extraction | 1. House rental contract 2. Proof of not having a house (individual or family) 3. ID card, bank card |
| Pay off mortgage | 1. Loan contract 2. Repayment details or bank statements 3. ID card, bank card |
| Retirement Withdrawal | 1. Retirement certificate or retirement approval form 2. ID card, bank card |
3. Luoyang Housing Provident Fund Withdrawal Process
The Luoyang housing provident fund withdrawal process is divided into two methods: online and offline:
1. Online processing
(1) Log in to the official website of Luoyang Housing Provident Fund Management Center or the “Luoyang Provident Fund” APP;
(2) Select "Extract Business", fill in relevant information and upload materials;
(3) Submit the application and wait for review;
(4) After passing the review, the funds will be transferred to the designated bank card.
2. Offline processing
(1) Bring relevant materials to the Luoyang Housing Provident Fund Management Center or the district and county management departments;
(2) Fill in the "Housing Provident Fund Withdrawal Application Form";
(3) Submit materials and wait for review;
(4) After approval, the funds will arrive within 3 working days.
4. Frequently Asked Questions
1. Are there any limits on the amount of provident fund withdrawal?
Yes. The withdrawal amount for house purchase shall not exceed the total house payment; the withdrawal amount for renting shall not exceed 1,000 yuan per month; and the withdrawal amount for mortgage repayment shall not exceed the repayment amount.
2. Will withdrawing provident fund affect the loan?
may affect. The provident fund account balance is related to the loan limit, and a decrease in the balance after withdrawal may lead to a reduction in the loan limit.
3. How long does it take for provident fund withdrawals to arrive?
Online application usually takes 1-3 working days to arrive; offline processing takes 3-5 working days.
5. Latest policy developments
In October 2023, the Luoyang Housing Provident Fund Management Center optimized the withdrawal process and launched the following new measures:
(1) The materials for renting a house are simplified, and there is no need to provide a copy of the landlord’s ID card;
(2) Open the "inter-provincial universal service" service, and purchase a house in another place and withdraw it in Luoyang;
(3) The new “provident fund offset and loan repayment” business can be automatically deducted from housing loans.
If you need further consultation, you can call the Luoyang Provident Fund service hotline: 0379-12329.
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