How to withdraw Nanjing provident fund
Provident fund is one of the important benefits for employees. Proper withdrawal of provident fund can help solve practical problems such as housing and medical care. Nanjing Provident Fund withdrawal policy has been adjusted in recent years. The following is a detailed guide to Nanjing Provident Fund withdrawal, including withdrawal conditions, processes, required materials and other structured data.
1. Nanjing provident fund withdrawal conditions
Nanjing Provident Fund withdrawal must meet one of the following conditions:
| Extraction type | Applicable conditions |
|---|---|
| House Purchase Withdrawal | Purchase of self-occupied housing (including commercial housing, second-hand housing, affordable housing, etc.) |
| Rent extraction | No own housing in Nanjing and rental housing |
| Loan repayment withdrawal | Repayment of housing loan principal and interest |
| 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 | The employee or his immediate family members suffer from serious illness |
2. Nanjing provident fund withdrawal process
The Nanjing provident fund withdrawal process is divided into two methods: online and offline:
| Extraction method | Operation steps |
|---|---|
| Online extraction | 1. Log in to the Nanjing Provident Fund official website or “Nanjing Provident Fund” APP 2. Select the extraction type and fill in the information 3. Upload relevant materials 4. Submit the application and wait for review |
| Offline extraction | 1. Bring the materials to Nanjing Provident Fund Management Center or designated bank branches 2. Fill in the "Housing Provident Fund Withdrawal Application Form" 3. Submit materials and wait for review 4. After passing the review, the funds will be transferred to the personal account. |
3. Materials required for Nanjing Provident Fund withdrawal
Different extraction types require different materials. The following is a list of materials for common extraction types:
| 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. Original and copy of ID card |
| Rent extraction | 1. Rental contract 2. Proof of no housing (can be applied through the “My Nanjing” APP) 3. Original and copy of ID card |
| Loan repayment withdrawal | 1. Loan contract 2. Repayment details (last 12 months) 3. Original and copy of ID card |
| Retirement Withdrawal | 1. Retirement certificate or retirement approval form 2. Original and copy of ID card |
| Withdrawal on resignation | 1. Certificate of resignation 2. Original and copy of ID card |
| Extraction of serious diseases | 1. Hospital diagnosis certificate 2. Medical expense invoice 3. Proof of relationship with the patient (such as household register) |
4. Things to note when withdrawing Nanjing Provident Fund
1.Withdrawal limit: The maximum withdrawal amount for renting a house can be 1,500 yuan per month, and the withdrawal amount for purchasing a house shall not exceed the total purchase price.
2.Extraction time: Online withdrawals usually arrive within 3 working days, and offline withdrawals take 5-7 working days.
3.material authenticity: Submitting false materials will affect your personal credit, and in serious cases you will be held legally responsible.
4.Policy updates: Provident fund policies may be adjusted. It is recommended to consult the Nanjing Provident Fund Management Center (Tel: 12329) before withdrawing.
5. Recent changes in Nanjing provident fund policies
In October 2023, the Nanjing Provident Fund Management Center issued new regulations:
1. The rent withdrawal limit is increased from 1,200 yuan to 1,500 yuan per month.
2. A new withdrawal type of "Old Community Renovation" has been added. Qualified employees can withdraw provident funds to pay for renovation costs.
3. Optimize the online extraction process, and achieve "batch delivery within seconds" for some businesses.
Nanjing's provident fund withdrawal policy aims to better meet the needs of employees, and it is recommended to plan withdrawals reasonably based on one's own circumstances. If you need further help, you can visit the Nanjing Provident Fund official website or call the service hotline for consultation.
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