Shandong: provident fund can pay property fees.
source: the new Beijing newspaper
the future, freelancers and other flexible employment personnel, can also deposit housing accumulation fund, and enjoy the provident fund The rights and interests of loans and so on can be extracted from the provident fund, which can be used to pay the property fees of independent housing. The time limit for approval of provident fund loans is shortened from 15 days to 10 days. Yesterday, the Legislative Affairs Office of the State Council announced the revision of the regulations on the management of housing provident fund.
flexible employment personnel by personal deposit provident fund
in the current implementation of the housing provident fund management regulations, only the staff of the formal unit can pay housing provident fund, individual and unit simultaneously. Self employed, freelancers, etc. are unable to pay provident fund, nor can they enjoy such policies as provident fund loans. In the revision of this regulation, experts have suggested expanding the scope of provident fund payment.
the revised manuscript issued yesterday is intended to be stipulated. In addition to the units and workers, individual business, part-time employees and other flexible employment personnel who are not employed can also be deposited in the housing provident fund and enjoy the rights of extraction and loan.
in addition, the expansion of the scope of provident fund extraction, rental, property fees into the provident fund extraction conditions, is also a strong voice in the community. The revised draft published yesterday is also proposed to be included in the proposal. There will be no room staff to pay the rent for self housing, and to pay for the housing property, which also included the scope of the extraction.
four cases can simultaneously extract the spousal provident fund
the housing accumulation fund extraction, "Regulations" clear, retired, retired, completely lost the ability to work, and terminate labor relations with the unit, outbound settlement... If workers have one of seven situations, they can extract the storage balance in the housing provident fund account.
which, purchase, build, overhaul, decorate self housing; reimburse housing loan principal and interest; no room staff pay self housing rent; pay self housing property fee, can extract the housing accumulation fund of spouse at the same time.
submit a draft to regulate the establishment of the housing provident fund management organization. Except for the units provided with the provisions of the draft, the other units shall not set up the housing provident fund management center or branch. The city of the central municipality, the city of the people's Government of the provinces, autonomous regions and other municipalities (land, state, and League) should set up a housing provident fund management center to operate the housing provident fund in the administrative region. The housing provident fund management center can set up branches in counties (cities) as required.
in promoting the value preservation and increment of funds, it is stipulated that, under the premise of guaranteeing the extraction and loan of the provident fund, the provident fund can be used for the purchase of national debt and large amount of deposit, and the provident fund can be used for the purchase of high credit grades, such as local government bonds, policy financial bonds, housing provident fund and private housing loan support securities. Fixed income products.
1 payment of property fees required operating rules
in the revision of the housing provident fund management regulations, it is proposed that the payment of property fees should be included in the extraction range of the fund for the first time.
earlier, Shanghai, Hebei, Shandong, Liaoning and other provinces and cities have launched the policy of extracting provident fund to pay property fees. The revision of the Ordinance means that the policy is likely to be implemented in the whole country in the future.
at present, in Beijing's extraction of provident fund policy, no housing workers can rent out the provident fund, but they can not withdraw the provident fund to pay the property fee.
experts say, in the actual operation of the payment of the property fee of the provident fund, the property enterprise's community is relatively easy, because the property company will provide the formal invoice, with the warrants of the housing or the purchase contract and other proof documents. However, some communities, especially in old and old communities, have no property companies to provide services, and some communities provide services to professional companies, such as cleaning and security, and it is difficult for the owners to issue proof of their own payment of property services. How to determine the extraction amount of property charges requires specific operation rules.
experts believe that the extraction of provident fund to pay rent, for nearly two years since the purchase of families, the actual use is not large. "Housing can be extracted from provident fund, the total amount of extraction is the total price of housing. Nowadays, there are millions of apartments, and the amount of extraction is very difficult to run out. "
this is still good news for families who bought houses earlier. At that time, house prices are low, housing prices are also less, many houses are only a few hundred thousand, if no no house, the total amount of extraction of provident fund is so much, easy to run out, and increase the payment of the property fee this situation, equivalent to the total amount of extraction increased.
2 clearly defined the maximum deposit ratio 12%
yesterday's revised version of the draft to provide the upper and lower limit of the provident fund's deposit. This is lacking in the current regulations.
according to the introduction, the deposit amount of provident fund is determined by multiplying the base of payment. It is proposed that the base of the payment of the housing provident fund is determined according to the average salary of the employees in the last year, and it should not be less than 60% of the average wages of the employees in the first year of the workers' working place. It is not higher than 3 times the average wage of the employees in the urban area. The upper and lower limits of this cardinal number are not specified in the existing regulations.
the proportion of housing provident fund paid by employees and units should not be less than 5%, not higher than 12%. In the current regulations, there are only 5% lower limits and no upper limit. Therefore, people in the industry believe that the set limit is likely to be related to the previous exposure of some units to pay a surprising amount of accumulation fund, in order to prevent some units to pay abnormal high accumulation fund.
Beijing housing provident fund management center of the relevant person in charge said that the upper limit of the contribution of Beijing housing provident fund is 300% of the monthly average salary of the workers of Beijing City, which are multiplied by the unit and the proportion of the housing provident fund. And Beijing's provident fund deposit ratio is set to be 12%, if the unit is difficult to lose and the staff consent, can apply for lower reserve fund deposit ratio lower limit, in principle is not less than 8%.
the current 2015 year, Beijing housing provident fund monthly deposit limit of 4654 yuan, the monthly payment of workers and units of the upper limit is 2327 yuan.
and Beijing provident fund deposit lower limit, is the staff housing provident fund monthly deposit base must not be lower than the Municipal People's Insurance Bureau published in the year of the Beijing minimum wage standard. The number of workers who pay for similar jobs such as laid-off or internally retired shall not be less than the basic living expenses of Beijing in that year. The two cases are 412.8 yuan and 288.96 yuan, respectively.
3 fraud and fraud can be investigated for criminal liability
the amendment of the "Regulations", to increase the punishment of fraud and lifting the loan fund of provident fund, is also one of the focus. In the current regulations, there are no relevant penalties.
the provision of housing provident fund or housing provident fund loans to provide false materials or other means of fraud, the housing provident fund management center ordered the return of fraudulent housing provident fund or illegal loans, the amount of more than 1 times more than 3 times the amount of fines or more than 10% 30% of the amount of illegal loans, It will also abolish the qualification of 5 years' housing provident fund withdrawal and loan, and if it constitutes a crime, it shall be investigated for criminal responsibility according to law. According to
, the amount of penalty for cheating is not low. If cheating has been extracted for 10 thousand yuan, a fine of tens of thousands of yuan has been enough for individuals. And in accordance with the upper limit of the Beijing provident fund loan 1 million 200 thousand, if the loan is a fraud, the amount of the fine will reach between 120 thousand and 360 thousand yuan, and the qualification of the loan is also cancelled.
in addition, the revision of the review also increased the penalty for the units not to give employees to the accumulation fund, or less paid for the accumulation fund, which is often seen in the actual situation. The existing regulations only stipulate that if a unit fails to provide employees with a provident fund, it should pay a fine of more than 10 thousand yuan or less than 50 thousand yuan. This is to be stipulated, the unit is not given to the staff of the public reserve fund, the housing provident fund management center is ordered to limit the period; the overdue will be fined more than 3 times more than 5 times, and the directly responsible personnel and other directly responsible personnel are fined below 3000 yuan and 5000 yuan. And if the unit is overdue, less or more of the housing accumulation fund, the housing provident fund management center is ordered to correct the time limit; the overdue still does not correct, can apply for the enforcement of the people's court, and can be paid or more than 3 times the amount of more than 5 times the fine.