Housing Provident Fund: Frequently Asked Questions on Key Issues

This article is reprinted from: Yanzhao Evening News

How to handle changes in organization name or mailing address?

Answer: For changes in organization name, address, or other information, a unified social credit code certificate or change document must be provided.

What materials are required to apply for housing provident fund deferral?

Answer: 1. Deferred payment approval form; 2. Resolution on deferred payment approved by the employee representative meeting or union after public notice; 3. Proof of genuine financial difficulty in paying housing provident fund, including financial statements of the organization, payroll reports, third-party audit reports, or proof from relevant departments certifying the organization as experiencing difficulties.

What documents are needed to withdraw housing provident fund for military service or schooling?

Answer: 1. Employee’s ID card and bank card (only Class I bank cards from Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications are supported); 2. Military enlistment notice or school admission notice; 3. Termination or dissolution of employment document issued by the organization.

Can second-hand homes purchased in other locations be used to withdraw the housing provident fund?

Answer: According to the notice from Shijiazhuang Housing Provident Fund Management Center on “Further Standardizing the Withdrawal of Housing Provident Fund for Out-of-Location Home Purchases,” employees applying to withdraw housing provident fund for out-of-location home purchases, where the property is a second-hand home, must wait until the new owner (including spouse withdrawal or intergenerational mutual assistance withdrawal) has obtained the property rights certificate for at least 6 months before applying to withdraw the housing provident fund.

Which services can be applied for under the “Cross-Province Service” business?

Answer: 1. Inquiry about individual housing provident fund deposit and loan information; 2. Issuance of proof of housing provident fund deposits and usage for employees with loans; 3. Withdrawal of housing provident fund upon normal retirement; 4. Registration and opening of housing provident fund accounts by employers; 5. Changes in deposit information of housing provident fund units and individuals; 6. Withdrawal of housing provident fund for home purchase; 7. Issuance of proof of full repayment of housing provident fund loans; 8. Early repayment of housing provident fund loans; 9. Payment of housing provident fund contributions; 10. Supplementary payment of housing provident fund; 11. Partial early repayment of housing provident fund loans; 12. Withdrawal of housing provident fund for rent; 13. Early retirement withdrawal of housing provident fund.

(Shijiazhuang Housing Provident Fund Management Center)