Reprinted from the http://www.sd.xinhuanet.com/sd/jn/2013-09/07/c_117271598.htm
Zhang Haifeng Liu Shen Qu Lianying
September 1st, Ji'nan housing provident fund management center of Shandong Province issued "Ji'nan housing provident fund extraction and management implementation rules", since October 1st. Since the rules for the withdrawal of provident fund have been revised, the Ji'nan provident fund has been squeezed out since 3. Provident fund management center today, people said that provident fund loans can be extracted in two ways, the public does not need to "squeeze". At 10 a.m. this morning, the reporter arrived at the Ji'nan housing provident fund management examination and approval service hall on the east side of the ten road and the Li Shan Road intersection. The hall was crowded inside and outside the hall. The Construction Bank and the industrial and Commercial Bank of the Ji'nan hall were full, and the number had reached 1500.
51 year old Mr. Zhang and his wife, Ms. Yin, arrived at the center at nine a.m., waiting in the waiting room for approval. Reporters noted that Mr. Zhang used provident fund loans totaling 450 thousand yuan in 2011 and repaid to 2026. "I saw the news in the newspaper the day before yesterday, and said how much money I could only pay for it every year, and there were more than ten thousand in our account. The remaining arrears will be repaid by the annual accounts in the provident fund account. " Ms. Peng, more than 30, asked, "my housing provident fund loan has been paid for more than a year. Now the amount of the accounts and the amount of the funds are almost the same, but I have saved tens of thousands of things in my account. Is it impossible for me to take it out later?"

a staff member told Ms. Peng, fine. Before the implementation of the new policy, after the implementation of the new deal, according to the agreement of the loan contract, one year after each repayment is full, the housing provident fund can be extracted and the amount of the extraction can not exceed the amount of the repayment, and the interval between the two times is not more than 12 months.

through careful comparison, the reporter found that the revised rules and regulations, the major impact on the workers are mainly: Sixth provisions, the provident fund can only be used to repay the fund loan (including combination loan) principal and interest, before the loan has not been paid off, except for outdoors, it should not be extracted by other reasons. The ninth article, without the use of provident fund loans, to extract the storage amount of the accumulation fund, can be obtained within three years of effective voucher and proof material, one-time extraction of the storage balance of housing provident fund (not exceeding the actual expenditure), and a set of housing can only be extracted once. The original policy has not been limited for three years.

reporter site survey found that to extract the public fund of the public, most of the employees have provident fund loans but not for the purchase of provident fund workers; also some are pure commercial loan users, are not affected by the policy, but because of the hearsay, or misunderstanding of the policy, the fear of being affected can not extract the provident fund, hurried to come " Make a lot of fun. The person in charge of Ji'nan housing provident fund management center told reporters that some workers did not understand the new policy of extraction and had misunderstood the new policy and created a "pile up".

in addition, from September 22nd to October 6th, Ji'nan housing provident fund management center will upgrade the original housing provident fund collection business management information system. During this period, the housing provident fund storage, extraction, account transfer business, plus the mid autumn day national day double, greatly shortened the buffer period of the new deal, which is also a part of the Department. It is the reason for the citizens to make a pile up.

which people are most affected? After 22 days of this month, will it be impossible to extract the provident fund according to the original method? "In the face of the reporter's question, the responsible person answered: in fact, this is the most important aspect of our present. Rule sixth stipulates that, when the staff and workers withdraw the housing accumulation fund, each repayment will be full one year, the housing provident fund can be extracted; the rules and regulations tenth stipulate that the total amount should not exceed the repayment of the repayment of the repayment of the repayment of the loan principal and interest; according to these two articles, the staff and workers who have the provident fund loan can not be raised by the purchase invoice or property certificate for the purchase of the house. Provident fund, but there are still two ways to extract the provident fund. First, the normal repayment of provident fund loans, each repayment of a full year can be extracted once the provident fund, the total amount of extraction must not exceed the repayment of the loan principal and interest repayment. Another way is to withdraw the provident fund by way of early repayment of provident fund loans. For more workers in the personal account, we can extract the personal account accumulation fund in the way of advance repayment of the provident fund in advance of the loan in advance (6 months after the loan), and the maximum use of the balance of the account.