How to withdraw Shanghai provident fund
Provident fund is one of the important benefits for employees. Many people need to withdraw provident fund when buying or renting a house or encountering special circumstances. As a first-tier city, Shanghai has a relatively complete provident fund withdrawal policy, but it also needs to meet certain conditions. This article will introduce in detail the conditions, procedures, required materials, and frequently asked questions for withdrawing Shanghai Provident Fund to help you quickly understand and successfully complete the withdrawal.
1. Shanghai provident fund withdrawal conditions
Shanghai Provident Fund withdrawal is divided into various situations, and the withdrawal conditions in each situation are different. The following are common extraction conditions:
| Extraction type | Extraction conditions |
|---|---|
| House Purchase Withdrawal | Purchase of self-occupied housing (including commercial housing, second-hand housing, shared property housing, etc.) |
| Rent extraction | Do not own a house in this city and live in rented housing |
| Retirement Withdrawal | Reached the statutory retirement age or have gone through retirement procedures |
| Extraction of serious diseases | I or my immediate family members suffer from a serious illness, causing difficulties in family life |
| Withdrawal on resignation | Employees who are not registered in this city terminate their labor relations with their units and leave this city. |
2. Shanghai provident fund withdrawal process
The Shanghai provident fund withdrawal process is relatively simple and is mainly divided into two methods: online and offline:
| Extraction method | Specific process |
|---|---|
| Online extraction | 1. Log in to the Shanghai Housing Provident Fund official website or the “Suibi” APP 2. Select the extraction type and fill in the relevant information 3. Upload required materials 4. Submit the application and wait for review |
| Offline extraction | 1. Bring the required materials to the provident fund management center or designated bank branch 2. Fill out the withdrawal application form 3. Submit materials and wait for review |
3. Materials required for Shanghai Provident Fund withdrawal
Different extraction types require different materials. Here are the materials required for common extraction types:
| Extraction type | Materials required |
|---|---|
| House Purchase Withdrawal | 1. Original and copy of ID card 2. House purchase contract or real estate certificate 3. Down payment invoice or deed tax payment certificate |
| Rent extraction | 1. Original and copy of ID card 2. Rental contract 3. Proof of not having a house (can be checked through the "SuiApply" APP) |
| Retirement Withdrawal | 1. Original and copy of ID card 2. Retirement certificate or retirement approval form |
| Extraction of serious diseases | 1. Original and copy of ID card 2. Hospital diagnosis certificate 3. Medical expense invoice |
| Withdrawal on resignation | 1. Original and copy of ID card 2. Certificate of resignation 3. Household register or household registration certificate |
4. Frequently Asked Questions
1. How long does it take for the provident fund to arrive after withdrawal?
Under normal circumstances, after the provident fund withdrawal is approved, the funds will arrive in your account within 3-5 working days. The specific arrival time may vary depending on the bank's processing speed.
2. Is there a limit on the number of provident fund withdrawals?
Different extraction types have different limits. For example, rental withdrawal can be applied for once a year, and purchase withdrawal can usually only be applied for once (except for special circumstances).
3. Are there any limits on the amount of provident fund withdrawal?
Yes, different withdrawal types have different limit limits. For example, the maximum monthly withdrawal for renting a house is 2,000 yuan, while the withdrawal for house purchase is determined based on the purchase amount and provident fund account balance.
5. Summary
Shanghai's provident fund withdrawal policy is relatively flexible, covering a variety of situations such as house purchase, renting, retirement, serious illness, etc. The extraction process is also relatively convenient and supports both online and offline methods. Before withdrawing, it is recommended to read the relevant policies carefully and prepare the required materials to ensure a smooth process. If you still have questions, you can call the Shanghai Provident Fund Management Center customer service hotline (12329) for consultation.
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