Ji'nan new provident fund management measures will be implemented in July.
source: Ji'nan times
what is the proportion of the accumulation fund? What is the basis of the monthly payment base? How should the monthly average wage be calculated? In July 1st, the new "management method of housing deposit in Ji'nan" will be formally implemented, to the above citizens The issues of concern have been further clarified. After the implementation of the new method, the Ji'nan municipal housing provident fund management regulation promulgated by the Ji'nan Municipal People's Government in March 21, 1993 was abolished at the same time.
1. newcomers have a new method of
new methods for the next month. The state, provincial and municipal, county (city), all levels of state organs, institutions, various enterprises, private non enterprise units and social organizations (hereinafter referred to as the following units) and their in-service workers in the administrative region of Ji'nan city should deposit their housing stock according to law. Kim. Each worker can only have one housing provident fund account.
the newly established unit shall register with the provident fund center within 30 days from the date of establishment, and hold the audit documents of the central provident fund center within 20 days from the date of registration to the entrusted bank for the establishment of the housing provident fund account for the employees of the unit. The units not registered before the implementation of the new method shall handle the registration of deposit within the time limit prescribed by the provident fund center. If the unit name, address, legal representative or employee name, ID card number and other information have been changed, the unit or employee should go to the central provident fund center to register the change within 30 days from the date of the change.
new regulations stipulate that the new workers will start paying housing provident fund from the second month of their work. The employees of the newly entered units pay their housing provident fund from the date of the payment of the payroll from the unit into the unit, and the original work unit should incorporate the individual accounts of the staff housing accumulation fund into the newly established accounts. If the original work unit fails to transfer the housing provident fund account to employees in accordance with the regulations, workers may report to the provident fund center. After investigation, it is proved that the provident fund center can directly transfer accounts to the fund in accordance with the effective supporting materials submitted by the employees.
maximum monthly payment base must not exceed the average monthly salary of the year 3 times new method, although the provision of housing provident fund is chosen by the unit according to the actual situation, but also delimit the upper and lower limits of the deposit, that is, not lower than 5% of the monthly average wage, not more than 12%. Each unit can only set a deposit ratio in one year, and it can be gradually increased. The proportion of personal deposit to the unit should be the same. The maximum monthly deposit base for units and staff housing provident fund shall not exceed 3 times the monthly average wage of the workers released by the Municipal Bureau of statistics. How is the monthly average salary calculated? The new method stipulates that the monthly average wage of the staff and workers should be calculated according to the items listed in the total salary of the State Bureau of statistics. These items include all the wages, allowances, subsidies and bonus items issued to the employees in the form of monetary form in accordance with the provisions of the central and provincial and municipal regulations. If the unit does not provide the wages of the workers or the workers who have objection to the salary provided by the workers, the inspection shall be made by the central provident fund center; it should be calculated according to the monthly average salary of the staff and workers published by the Bureau of statistics of the Municipal Bureau of Statistics.
deposit provident fund can be written to the labor contract
new method revealed that the unit and workers signed labor contracts, can show the provision of the provision of housing provident fund provisions. Workers and units to terminate the labor relations, not to achieve re employment, the unit should be in 30 days from the day of termination of labor relations to the entrusted bank for the housing accumulation fund account for staff and staff, after the employees reemployment, the original unit transacts the formalities of the transfer.
2. is optimistic, these rights belong to your
what rights do employees enjoy in the provident fund, withdrawal and loan? The new method has been further refined, and the reporters give you a careful talk.
the provident fund belongs to the individual
new method, the staff and workers' individual and their units are the housing provident fund for the workers and workers, belonging to the employees. The housing provident fund is used for the purchase, construction, reconstruction and overhaul of housing by employees, and no unit or individual shall be allowed to divert it to others.
you can apply for exemption from the application of
employees can apply for exemption from provident fund, do you know? But this is conditional. The new method stipulates that the portion of the employee's personal savings shall be withheld from his wages monthly. If the base amount is equal to or below the annual minimum wage standard in the city, the staff and workers may put forward the application for exemption, and report to the Central Provident Fund Center for verification after verification by the units in which they are located. The provident fund center shall make a decision to grant exemption or exemption within 30 days.
12 can mention provident fund
as long as one of 12 situations is met, you can apply for the withdrawal of the balance in the housing provident fund account.
these include: formal retirement; complete loss of labour capacity, and termination of labor relations with units; outbound settlement; the establishment of a housing provident fund account in the new job by the departure of the city and the establishment of a housing provident fund account in the new job; for more than two years of unemployment or the termination of labor relations with the unit, men are 50 years old, and women are at the age of 45 years of age If it is not a city registered permanent residence to work in this city, and to dissolve the labor relations with the unit and leave the city; death or death is declared; other circumstances determined by the CPF Management Committee.
purchase, construction, renovation and overhaul of housing; reimburse self housing loans; rent out of the proportion of the wage income of the members of the common living family; the amount of the housing provident fund can also be extracted from the minimum living security of the urban residents and the payment of rent or property fees, but may not exceed the actual issue of the current period. The amount of birth.
meets 5 conditions, provident fund loans
apply for provident fund loans, need to meet 5 conditions at the same time.
these 5 conditions are: purchase, construction, renovation or overhaul of ordinary self living housing; when applying for loans, they have reached the prescribed time limit for the deposit of housing provident fund; have stable economic income and loan repayment ability, good personal credit condition; no or all repaid housing provident fund loans; laws and regulations stipulate that Other conditions.
the advance repayment of the loan does not accept the default gold
the new method stipulates that the employees will repay the principal or interest of some housing provident fund in advance or pay all the loans in advance in advance, and the entrusted banks shall not receive a breach of contract.
at the same time, the entrusted bank shall provide the unit with the bill to the unit within 30 days after the annual settlement of the housing provident fund, and the unit shall timely inform the employee in writing. The employees have the right to inquire about the deposit, withdrawal and balance of the housing provident fund. If there is any objection, they can apply for the review of the provident fund center. The entrusted bank and the provident fund center shall give written reply within 5 days from the date of receipt of the application. Real estate development enterprises and sales enterprises should provide convenience for workers who apply for housing accumulation fund loans.
3. extraction of provident fund, which procedures to apply for loans, what procedures
what information to take for the extraction of provident fund, the application for provident fund loans? What procedures should be performed? The new method is further clarified.
it is reported that the employees apply for the extraction of housing provident fund, which should be submitted by the unit to verify the certificate of extraction and support, my identity card and related proof material. If another person applies for the application, he shall also submit the power of attorney and the identity card of the agent. The central provident fund center shall examine and approve the extraction conditions in time; if the investigation and verification are required, the decision to be granted or not to be extracted within 3 days from the date of accepting the application is made, and the applicant is notified in writing.
employee application for housing provident fund loan, should submit to the entrusted bank the personal loan application form, I and the joint repayment person (guarantor) identity card, account book and joint repayment promise (guarantee letter); marital status certificate; personal credit certificate provided by the unit of the joint repayment person (guarantor); effective A certificate of guarantee; other materials required by the provident fund centre. The entrusted bank will conduct a preliminary examination within 5 working days from the date of receipt of the application and submit it to the provident fund center for approval. The provident fund center will decide whether to grant loans or not to grant loans within 5 working days from the date of receiving the information submitted by the entrusted bank. If a loan is granted, the entrusted bank shall grant the loan to the applicant within 5 working days.
4. what these words mean
[working staff]
means in service workers are the staff of all kinds of workers who work in the unit and pay the wages by the units (excluding the foreign and Hong Kong, Macao and Taiwan), including the signing of labor contracts with the units or the human resources and social security departments. The workers who are still in charge of the labor relations are still paid by the workers who are still on duty and are still not working for reasons such as study, illness and injury (less than 6 months).
[construction]
means construction by means of land and resources, planning, urban and rural construction and other departments approving the construction of self occupied housing on its own.
[renovate]
renovate refers to the demolition of all housing through land and resources, planning, urban and rural construction and other departments.
[overhaul]
overhaul means that the local housing appraisal department is identified as a serious damage to the house and the house, which needs to move or dismantle some of the main components of the housing, but does not need to be fully demolished, and the cost is more than 25% of the construction of the same structure of the building. General household decoration, decoration, medium repair, minor repairs and other acts do not belong to overhaul.