How to transfer housing provident fund out
The housing provident fund is an important housing security system for employees. Recently, the topic of transferring out the provident fund has attracted much attention. With the increase in population mobility and the generalization of cross-regional employment, there is an increasing demand for the transfer of provident funds to other places. This article will introduce in detail the process for transferring out provident funds, required materials and precautions, and also attaches hot topics related to provident funds that have been hotly discussed on the Internet in the past 10 days.
1. Provident fund transfer-out process
Transfers out of housing provident funds are mainly divided into two types: intra-city transfers and out-of-city transfers. The specific operation procedures are as follows:
| transfer type | Processing steps | Processing time limit |
|---|---|---|
| City transfer | 1. New unit account opening and deposit 2. The original unit handles the sealing process 3. Apply for transfer to a new unit | 3-5 working days |
| Relocation | 1. Apply to the Provident Fund Center of the place of transfer 2. Issue a letter of acceptance at the place of transfer 3. Handle fund transfer at the place of transfer | 11-15 working days |
2. Materials required for transfer of provident fund
To handle the provident fund transfer, you need to prepare the following materials, and the requirements may vary slightly from place to place:
| Material name | Description | Is it necessary |
|---|---|---|
| Original ID card | Valid proof of identity | Yes |
| Provident Fund Co-branded Card | Some cities require | Depends on region |
| labor contract | Prove labor relationship | Need to provide for off-site transfer |
| Certificate of resignation | Issued by the original unit | Recommended preparation |
3. Things to note when transferring out provident funds
1.Account status check: Before transferring out, you need to confirm that the account has not been frozen and there are no outstanding provident fund loans.
2.Time node: It is recommended to go through the transfer procedures within one month after leaving the company to avoid long-term account sealing.
3.Funds arrive: After the funds transferred from another place arrive, the account merging procedures need to be completed at the place of transfer.
4.policy differences: There are differences in provident fund policies in different places. It is recommended to consult the provident fund centers of the two places in advance.
4. Recent Hot Topics of Provident Fund
According to search data from the entire Internet, popular discussions about the Provident Fund in the past 10 days have mainly focused on the following aspects:
| hot topics | Discussion popularity | main focus |
|---|---|---|
| Convenient transfer of provident funds to other places | high | Promotion of cross-provincial service |
| Provident fund withdrawal policy relaxed | Middle to high | Rental withdrawal amount increased |
| Provident fund loan interest rate adjustment | high | Changes in interest rates on commercial loans |
| Flexible employment personnel contribute to provident fund | in | Comparison of pilot city policies |
5. Frequently Asked Questions about Provident Fund Transfers
Q: Will provident fund transfer affect loan qualifications?
A: As long as the continuous deposit time meets the requirements, normal transfer will not affect loan qualifications. However, please note that some cities require re-accumulation of deposit time after transfer.
Q: Can provident funds be withdrawn during the transfer process?
A: The account will be temporarily frozen during the transfer process, and withdrawals cannot be processed at the same time. It is recommended to complete the transfer first and then apply for withdrawal.
Q: Do I have to handle the transfer in person?
A: At present, most cities have opened online processing channels. For some that still require on-site confirmation, you can also entrust others to handle it, and a notarized power of attorney is required.
Conclusion:
Housing provident fund transfer is a common business need for professionals. Understanding the procedures and precautions can help you get twice the result with half the effort. With the promotion of "inter-provincial universal service", the transfer of provident funds will become more and more convenient. It is recommended that friends who need to transfer plan in advance and choose the most suitable processing method to ensure that their housing rights are not affected.
If you need the latest policy information, you can log in to the National Housing Provident Fund applet or call the 12329 service hotline for consultation.
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