After adding my name to the real estate certificate without mortgage, can I withdraw provident fund?
No.
The housing provident fund can be withdrawn in cash directly, but you need to follow the following steps:
1. Divorce and retirement withdrawal:
1. Personal ID card, a copy.
2. Divorce and retirement approval documents and copies.
3. The unit’s financial personnel will bring the above information, unit receipts, and unit seals to the center to handle account cancellation withdrawals, and a withdrawal form must be filled out.
2. Going abroad and settling abroad:
1. The employee’s personal application report shall be approved by the unit and stamped with the official seal.
2. Personal ID card and copy.
3. Documents and copies of certifications approved by relevant departments for emigration abroad, Hong Kong, Macao and Taiwan, and the Mainland.
4. The unit's financial personnel will bring the above information, unit receipts, and unit seals to the center to handle account cancellation withdrawals, and a withdrawal form must be filled out.
3. Termination of labor relationship with the original unit:
1. The employee’s personal application report shall be approved by the unit and stamped with the official seal.
2. Personal ID card and copy.
3. Approval document and copy of termination of labor relationship.
4. Employees who have been entrusted can handle the account cancellation and withdrawal business by themselves. Those who have not been entrusted need to be certified by the unit. The unit's financial personnel will bring the above information, unit receipts, and unit seals to the center to handle the account cancellation and withdrawal business. Fill out the withdrawal form.
4. For those who died during employment:
1. The application report of the legatee or legal heir for withdrawing the housing provident fund shall be approved by the unit and stamped with the official seal.
2. ID card and copy of the legatee or legal heir.
3. Death notice of deceased employee.
4. Notarized certificate of legal heir or legatee’s identity issued by a notary public.
5. The unit’s financial personnel will bring the above information, unit receipts, and unit seals to the center to handle account cancellation withdrawals, and a withdrawal form must be filled out.
5. Purchase of self-occupied housing:
1. The employee’s personal application report shall be approved and stamped by the unit.
2. Personal ID card and copy.
3. ① To purchase a commercial house, you must submit the original and copy of the standard "Commercial House Sales Contract" and the original and copy of the receipt for the down payment (more than 30% of the house price).