Ji'nan housing provident fund new deal to pay off the one-time withdrawal of the balance of housing loans
Ji'nan Times reporter Zhang Xiaoli
today, Ji'nan housing provident fund management center announces the management rules for the accumulation and extraction of provident fund It will be implemented in October 1st. The new deal stipulates that the balance of housing accounts should not be repaid before the housing accumulation fund loan or portfolio loan is not paid off.
Ji'nan housing provident fund management center in charge of the person in charge, after the introduction of these two rules, our city housing provident fund in the payment and extraction have more detailed provisions. At present, the rules have been posted on the official website of the centre, and the public can check it online. The person in charge introduced, in the accumulation fund of provident fund, the biggest change is that if the purchase of the fund after the purchase is not clear, will not be able to extract the balance of the housing provident fund account, in order to ensure that the housing provident fund is used to repay the principal and interest of the fund.
it is understood that the new provident fund collection business management information system will also be launched on-line in October 1st. During the transformation of the new system (September 22nd, -10 6), the deposit, extraction and transfer of the housing provident fund will be suspended by the various provident fund deposits and provident fund examination and approval service halls.
according to the new rules, the deposit and withdrawal conditions of the provident fund are more stringent and standardized. The person in charge said, for example, the extraction of provident fund for housing, renovation, overhaul of housing, the new deal clearly required to obtain effective voucher and proof material within three years to extract the storage balance of the provident fund account, but before this limit.
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comply with the conditions, fill in the approval form for the extraction application of housing provident fund,
4< br / > In the case of approval formalities for the provident fund center, which shall be examined and examined and examined and approved by the fund center of the provident fund center, which is approved by the unit to the fund center for examination and approval
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, the relevant information provided by the applicant should be investigated and verified, and the provident fund center will be granted or granted within 3 working days from the date of accepting the application. After approval and approval of the
provident fund center, the applicant holds the approval form of the Ji'nan housing provident fund withdrawal application and the "housing provident fund support certificate" issued by the provident fund center to the deposit bank for the related links
what is not Account reasons
it is understood that in Ji'nan, both the new and the old policies, the following 12 conditions can be extracted, respectively:
1. purchase, construction, renovation, and overhaul of self owned housing (hereinafter referred to as self owned housing)
2. reimbursement of self ownership Housing loan principal and interest
3. in this city, there is no housing in the city, and the rent exceeds the
4. of the salary income over 15% of the family direct family members living together with the household registration. 4. to enjoy the minimum living security of the urban residents and to pay the rent or property management fee for the
5. unemployment or the dissolving of labor relations with the unit. More than two years, and men aged 50 years old, women's age of 45 years old
6. off the city and set up a new job of housing provident fund personal account (also through the housing provident fund transfer mode)
7. non Ji'nan household registration workers and units to terminate labor relations or to move out of the Ji'nan administrative region to leave this The city's
8. outbound
9. officially retired
10. completely lost the labor capacity, and other cases determined by the
11. death or the
12. housing provident fund management committee of the unit to terminate the labor relations.
of which 5 to 11 cases are the reasons for sale, other cases are non sale reasons.
municipal housing provident fund management center in charge of the relevant person in charge of the public fund new deal.Amp; mdash.amp; mdash
non loan purchase, the balance can be in 3 years to withdraw
this reporter Zhang Xiaoli
the release of the accumulation fund in the new deal and what changes in the new deal? Inviting Ji'nan housing provident fund management The person in charge of the center is interpreted.
change 1: on-the-job civilian servicemen should deposit housing provident fund
according to the "measures for the management of housing provident fund" implemented in July 1, 2011, the state, provincial and municipal, county (city), all levels of state organs, institutions, various enterprises and private enterprises in the administrative region of the city. Non enterprise units, social organizations (hereinafter referred to as units) and their employees should pay housing provident fund according to law.
the "rules for the implementation of the implementation of Ji'nan housing provident fund management" expanded the scope: a foreigner who has obtained a residence permit in Hua Yongjiu's residence permit is an employee of the above unit. It can be used as an effective identity certificate for the permanent residence permit of the foreign
with the same payment as the employees in the working unit. Save and use the rights and interests of the housing provident fund. The army's in-service civilian staff and employees should pay the housing provident fund.
also provides a detailed definition of "on the job staff": all kinds of personnel who work in the above units and pay wages (labor remuneration) by the unit. It includes workers who sign employment contracts with units or fail to sign contracts but form actual labor relations.
change 2: the personnel of the deposit unit need to record
"the policy of 2011, tenth requirements, the unit should set up the housing provident fund account for the new employees in time. The new workers took part in the housing provident fund from the second month of their work. But in practice, many problems arise. So the detailed rules are stipulated in the detailed rules. " Ji'nan housing provident fund management center staff said. "Ji'nan housing provident fund deposit management implementation details" to increase the deposit office management personnel filing system. The unit should be responsible for housing provident fund deposit and other related businesses. The staff of the provident fund should be registered in the central provident fund center to ensure the stability of the personnel, improve the service level for the use and deposit of the housing provident fund for the staff and workers of the unit, and earnestly safeguard the rights and interests of the staff and workers' housing provident fund. When changing the person in charge, they should go to the provident fund center for registration in time.
change 3: the same city provident fund transfer can be directly to the bank to handle
"the accumulation fund transfer currently has' peer 'and' cross line ', the peer transfer can be handled directly in the bank, but according to the 2011 policy" cross line "needs the work unit to the provident fund management center to handle, formalities are complex. "The situation will be solved after the new system is launched," the official said.
according to the introduction, after the system is upgraded, the housing provident fund has realized the information integration of all the storage units. The transfer of housing provident fund in the administrative area of Ji'nan no longer needs to be examined and approved by the central provident fund center.
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change 1: Provident Fund loans can not be cleared off the balance of
accumulation fund after the introduction of the new policy, the extraction of provident fund is more strict and more standardized.
"the biggest change is that the public housing provident fund loans to the public to extract the provident fund has made a limit." Ji'nan housing provident fund management center in charge of the person in charge, "Ji'nan housing provident fund extraction and management implementation rules" sixth provisions, workers to repay housing provident fund loans and interest needs to withdraw housing provident fund, in accordance with the loan contract agreement per repayment of one year after the repayment of interest, can be extracted a housing provident fund (two times) The time interval is not less than 12 months. The borrowers and spouses of the housing provident fund loan or the housing provident fund and the commercial bank combined loan (hereinafter referred to as the combined loan) have been dealt with, and the housing provident fund can only be used to repay the principal and interest of the housing provident fund loan (including the commercial loan with the combined loan). Before the housing provident fund loans and portfolio loans are not paid off, the remaining balance shall not be extracted from other non sales reasons.
change 2: there are also changes in the specific materials required to be prepared in 12 cases where the extraction inheritance of death involves the need for notary
to extract the provident fund.
the original and photocopies of the applicant's "authorization letter" and the agent's ID card, and the original and copy of the applicant's ID card and the related materials are also required.
in accordance with the conditions of death or declared death, it is not only to provide the relevant documents as before, but also to provide a notarized inheritance of the inheritance.
change 3: Provident repair house theory, no matter the number of times
in accordance with the previous policy, workers to purchase, build, renovate, overhauled the property rights of the urban private housing and withdraw housing provident fund, every purchase, construction, renovation, overhaul, only one housing accumulation fund and not More than the cost of the actual payment.
the new policy requires that workers can extract the storage balance of the housing provident fund for three years when the effective vouchers and proof materials are obtained for the purchase, construction and renovation of the housing, and the total amount shall not exceed the actual expenditure of the purchase, construction, renovation, overhauling and housing, and a set of housing. It can only be extracted once.