Ji'nan provident fund deposit identified fine unit owed 3 months within a one-time payment
the joint repayer for 12 months will be able to merge the calculation of the amount of the provident fund. Housing provident fund 12 months (inclusive) above, can apply for housing provident fund loans. If the common payers deposit the housing provident fund in line with the above basic standards, they can calculate the loanable amount together.
in the 12 months before applying for loans, how does this standard continue to be paid? The notice pointed out that when a borrower and a common payer apply for a loan, the establishment of their housing provident fund account should be 12 months or more. When applying for a loan, the borrower and the common repayment person's housing provident fund account shall be the normal state, and will be paid in full in 12 months prior to the application of the loan. If the borrower and the common payer apply for loans at the end of last month, the housing provident fund is not paid in the first month because of personal reasons.
unit is in arrears within three months (including). It can be paid as a whole in the process of accumulation of the accumulation fund. If the housing provident fund of the applicant and his spouse is paid by a person or unit, it is overpaid and made up. Bank water records, bank passbook or personal income tax payment certificates that specify the details of wages. Because of the economic difficulties or other reasons for the deposit of the unit approved by the central provident fund center, after the full full payment of all the housing accumulation fund of the employees in the original unit, the staff and workers of the unit apply for 12 months when they apply for the personal housing provident fund loan, which may be allowed to be granted the loans continuously.
if the payment unit is not paid for 3 months (including) due to the special situation as a whole, and a one-time overall payment, it is considered to be the normal deposit; the non unit whole overdue (individual or part of the personnel supplement) is deemed to be an abnormal deposit; the applicant has to pay more than 3 months overdue after overdue, and the applicant must continue to deposit 1 in a normal way. 2 months later, you can apply for a loan.
6 months from the work into the month, the personal accumulation fund is the normal deposit in the accumulation of provident fund, there are many people due to work, before the implementation of the new work unit, there will be no work units in the "transition period", in this period, is also the accumulation of provident fund "empty period", no single. Reserve fund for staff and workers. What is the normal condition after the "empty period"? In this regard, the "notice" points out that if the workers who have participated in the new work can provide relevant certificates such as labor contracts and other relevant certificates, such as the transfer of workers and personnel relations, the "individual payment", which appears within 6 months (including 6 months) from the work or transfer into the month, is considered to be the normal payment; for example, more than 6 months appear. If a person pays a fee, it will be regarded as an abnormal payment. If the applicant has to pay the deposit normally for 12 months, he will be able to apply for a loan.
at the same time, the workers who deposit the housing provident fund in a different place, the balance of the accumulation fund account is transferred into the city to be deposited in accordance with the prescribed procedure, the conditions for the payment of the provisions of the provident fund loan in our city are in accordance with the provisions of the fund loan in our city, and the opening time and the details of the personal provident fund account issued by the original provident fund management center are provided. And no provident fund loans and other proof, it can be continued with the continuous payment and merger of the loan amount.
in addition, the accumulation fund of the loan office of the Central Provident Fund Center (CPF Center) finds that the accumulation fund of the borrower and the common repayment person will be checked and confirmed with the relevant office.
unit is paid in 3 months, and the amount of payment can be included in the balance of the balance of provident fund account. When there is a case of suspended payment or arrears, etc. How to determine the balance of the account? According to the code, the balance of provident fund accounts is determined by the balance of housing provident fund accounts paid normally when workers apply for loans. According to the notice, the housing accumulation fund should be included in the calculation range of the balance of the individual account after the unit is approved by the central provident fund center to pay all the arrears of the housing accumulation fund.
the overall payment of 3 months (including) and one time overall payment shall be considered as a normal deposit, which should be included in the calculation range of the balance of individual accounts of the staff and workers.
the common repayment person has not paid, the amount does not combine to calculate for the new participation and new entry to the staff, from the work or into the month 6 months (containing) the "personal payment" as the normal deposit, can be included in the account balance calculation range: for 6 months to the "personal payment", considered as abnormal Payment is not included in the balance.
the borrower and the common payer's provident fund are fully paid in full. The discontinuous payment of the common repayment provident fund, but the total amount that has already been paid, can be regarded as the double worker to deposit the fund and family, but can not combine the balance of its deposit to calculate the loan amount, the amount of the loan is calculated according to the 15 times of the balance of the main borrower's accumulation fund, and the maximum can be 500 thousand yuan.
for example, Xiao Wang is the main borrower. The balance of his account is 20 thousand yuan. Xiao Wang's object is Xiao Zhang, who is a common payer, with an account balance of 30 thousand yuan. In the process of payment, Zhang's provident fund is discontinuous, although the amount of the arrears has been made up, but the amount of their loans can only be calculated by the account balance of Xiao Wang's personal account, that is to say, the maximum amount of loans for two people is 300 thousand.