First, the provident fund deposit
Changde Housing Provident Fund Management Center is responsible for the housing provident fund deposit within the city. Workers should pay the housing provident fund to their units according to regulations, and the units will pay the amount paid by workers and the part that should be paid by the units to the designated provident fund account on a monthly basis. Employees can check their deposit details through the central website or the counter to ensure their rights and interests are protected.
Second, the provident fund withdrawal
Under certain conditions, employees can apply to Changde Housing Provident Fund Management Center for withdrawal of provident fund. These conditions include purchase, construction, renovation, overhaul of owner-occupied housing, repayment of principal and interest of home purchase loans, rental expenses, etc. Employees need to prepare relevant certification materials and apply according to the prescribed procedures. The center will review the application materials and approve the extraction if it meets the requirements.
Third, provident fund loans.
Changde Housing Provident Fund Management Center also provides housing provident fund loan services for employees. Employees who purchase, build, renovate or overhaul their own houses may apply for housing provident fund loans from the center. Loan amount, interest rate, etc. It should be implemented according to the policy. Employees can learn about the loan policy through the central website or the counter, and prepare relevant materials for application.
Four. Consultation and service
Changde Housing Provident Fund Management Center has a special consultation window and service hotline to provide policy consultation, business guidance and other services for employees. If employees have questions or difficulties in handling the housing provident fund business, they can consult the center in time for help.
To sum up:
Changde Housing Provident Fund Management Center, as a specialized agency in charge of housing provident fund management in Changde City, provides employees with many services such as deposit, withdrawal and loan of provident fund. Employees can manage and query provident fund accounts through the center and enjoy various benefits brought by the housing provident fund system. The center also provides consultation and services to solve the problems encountered by employees in the process of handling business.
Legal basis:
Regulations on the administration of housing provident fund
Article 14 stipulates:
The newly established unit shall, within 30 days from the date of establishment, go to the housing provident fund management center for registration of housing provident fund deposit, and within 20 days from the date of registration, go through the formalities for the establishment of housing provident fund accounts for its employees.
Where a unit is merged, divided, revoked, dissolved or bankrupt, the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center to handle the change or cancellation of registration, and handle the transfer or seal-up procedures for the employees of the unit within 20 days from the date of completing the change or cancellation of registration.
Article 20 provides that:
The unit shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.
Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.
Article 24 provides that:
In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.