Explanation of Provident Fund: It is one of the five social insurances and one fund after joining the company. It is generated as a benefit provided by the state. The state stipulates that its contribution amount is 6% to 12% of salary, and then 6% to 12% of the benefits provided by the company. % interval value calculation, provident fund deposit = percentage paid by the company x your salary x 2
[Note: Serious companies will calculate the provident fund based on the actual salary paid to you, while some companies will divide the salary into basic salary + subsidy + performance form, and will pay it as a percentage of the basic salary. For example, if the salary is 10,000 yuan, the provident fund benefits are originally 600~1,200 * 2, but they are split into 3,000 basic salary + 7,000 subsidies + performance, etc., and the employer will pay 6%~12% of 3,000, and the provident fund benefits are 180~360 * 2, and will basically be paid according to the 6% minimum standard]
Extraction method:
It is roughly divided into two parts. The first one is based on partial withdrawal. Partial withdrawal can mainly be based on the rental provident fund, which is divided into monthly withdrawal and quarterly withdrawal. Monthly withdrawal means that the amount of provident fund paid each month is paid. Quarterly means giving once a quarter.
The second type is to withdraw all the money, mainly for buying a house, repaying the loan, buying a house, resigning, and canceling the provident fund account. [Because I am poor and have no money to buy a house, I have never tried to withdraw it all. Now I am living in a dark house... Cancellation and resignation will have a certain impact on provident fund loans. The period of the stored provident fund is related to the number of loans. However, after cancellation, you can try again. It only needs to be done once, and the number of years starts from 0]
Don't look for scalpers, it's illegal!
Table of contents
Provident fund partial withdrawal plan:
2. Find provident fund withdrawal and select withdrawal application
Mobile phone extraction process:
1. Open Alipay--Citizen Center
3. Find the withdrawal location and select the housing provident fund withdrawal
Provident fund partial withdrawal plan:
Computer application process:
1. Enter the local provident fund official website, such as: Beijing Housing Provident Fund Network (beijing.gov.cn)
2. Find provident fund withdrawal and select withdrawal application
3. Type of application
All withdrawals require certain proof. Those who rent a house need to submit an electronic invoice or rental contract . One of the two is enough. Then there is the scheduled withdrawal date. The date can be customized and withdrawn once every month or quarter. The balance cannot be withdrawn at once, and the withdrawal amount cannot be customized. It is calculated based on the amount of provident fund paid each month.
For example, if the company pays 500 and I pay 500, then the provident fund that can be withdrawn per month is 1,000, and a quarter is 3,000. The amount is defined based on the amount and length of the rent. If the house is rented for a year this year, 500 per month, then this year's The limit is 6,000 yuan, and the remaining balance is stored in it.
Mobile phone extraction process:
1. Open Alipay--Citizen Center
2. Choose Provident Fund
3. Find the withdrawal location and select the housing provident fund withdrawal
The rest of the process is the same as the computer process, just prepare the materials.