The new rules for the withdrawal of state-controlled provident fund are based on "employee's commitment to integrity+information comparison * * *". Starting from September 1, when employees apply for housing provident fund withdrawal, they first need to fill in the declaration information in the Letter of Commitment on Housing Provident Fund Withdrawal and make a commitment. After that, anyone who can obtain information through relevant departments for online audit will no longer need to provide relevant supporting materials, which is more convenient for units and employees to withdraw housing provident fund.
Simplify the procedures for withdrawing the state-managed provident fund.
(1) Fill in the Declaration Information and Commitment of Housing Provident Fund Withdrawal. Anyone who can obtain information through online audit of relevant departments is no longer required to provide relevant certificates.
② Simplify the process of withdrawing provident fund from retired workers. If the employee reaches the statutory retirement age (subject to the information recorded in the ID card), his housing provident fund account is in a normal state, and the unit has sealed the employee housing provident fund account, he can handle the provident fund withdrawal business without submitting any materials.
(3) When buying a second-hand house in Beijing, employees can apply for "zero materials" only through identity verification.
Simplified comparison table of state-run housing provident fund extraction materials (taking Beijing as an example): discovery
The simplification of the extraction process involves many situations. Generally speaking, after employees withdraw the provident fund, the amount of materials can be reduced by 80%.
In addition, the provident fund center has increased the punishment for defrauding the housing provident fund. Once found, the employee withdrawal will be terminated and the withdrawal amount will be refunded within the prescribed time limit.
Not only that, the employee will not be able to apply for provident fund withdrawal and loan application within three years from the date when the violation is discovered. Those suspected of violating the law and committing crimes will be handed over to the public security organs for handling.
Under what circumstances can I withdraw my own provident fund?
There are many situations in which you can withdraw the provident fund. According to the provisions of Article 24 of the Regulations on the Management of Housing Provident Fund, employees may withdraw the storage balance in their housing provident fund accounts under any of the following circumstances:
1, purchase, construction, renovation and overhaul of owner-occupied housing.
2. Retirement and resignation
3, completely lose the ability to work, and terminate the labor relationship with the unit.
4. Go abroad to settle down.
5. Repay the principal and interest of the house purchase loan
6, the rent exceeds the prescribed proportion of family wage income.
housing provident fund joint card
The bank card with multiple functions of housing provident fund deposit voucher, account inquiry and bank debit card issued by the housing provident fund management center in cooperation with commercial banks is an effective voucher for employees to pay housing provident fund.
What are the functions of the co-branded card?
1) Inquire about the housing provident fund account information, that is, the cardholder can inquire about the balance of his housing provident fund account and the account details of remittance, withdrawal and interest, and print the housing provident fund account information through the housing provident fund account book;
2) It is a valid certificate for the depositor to pay the housing provident fund. In addition, the joint provident fund card also has all the financial functions of the corresponding bank card;
3) The provident fund can be transferred to the joint card, and the cardholder can designate the joint card as the housing provident fund withdrawal account and transfer the extracted housing provident fund to his own joint card account.
How to handle a co-branded card?
The process of handling the provident fund co-branded card is very simple. You can go to the bank directly with your ID card in your own name, and you can do it well on the same day without any accident.
1) Since it is a provident fund co-branded card, this means that you must have a provident fund account to apply for a co-branded card, which means that you have paid the provident fund before.
2) It must be a provident fund account, and more is not enough.
3) Your ID card must meet the requirements of the bank.
4) The bank I applied for before did not have a joint card.
In addition to the simplification of the process, other relevant policies on housing provident fund have been introduced this year. Let's have a look.
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The deposit ratio of housing provident fund shall not exceed 12%.
Lu Zai, Vice Minister of the Ministry of Housing and Urban-Rural Development, said at the regular briefing of the State Council Office on April 5, 1 that China will gradually reduce the deposit ratio of housing provident fund from May this year, and all the deposit ratios above 12% will be standardized and adjusted, and the policy will be temporarily implemented for two years.
In addition, enterprises with difficulties in production and operation can not only reduce the deposit ratio, but also apply for suspending the deposit of housing provident fund. After the economic benefits of enterprises improve, they can increase the deposit ratio or resume the deposit and pay back the deferred housing provident fund.
Provident funds can be borrowed from different places.
The Notice on Effectively Improving the Efficiency of the Use of Housing Provident Fund proposes that employees who deposit their houses outside the place of deposit can apply for personal housing loans from the housing provident fund management center of the place of purchase in accordance with the housing provident fund personal housing loan policy of the place of purchase.
2015,65438 On September 5th, the Ministry of Housing and Urban-Rural Development issued the Notice on the Operation of Individual Housing Loan of Housing Provident Fund, clarifying the handling process of individual housing loan of housing provident fund:
1. The loan city provident fund center accepts the consultation of employees' loan business in different places and informs them of the materials needed for loan review at one time.
2 employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans issued by employees according to their applications. For employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, they will be issued with certificates of deposit and use of housing provident fund loans in different places.
3. After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.
4. During the repayment period of employee loans paid in different places, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account.
5. In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work, and the balance of the loan employee provident fund account can be deducted according to the loan contract to repay the loan.
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At present, this policy is being gradually implemented in some places. Please consult the local housing provident fund management department for details.
(The above answers were published on 20 16-08-24. Please refer to the actual situation for the current purchase policy. )
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