First, the basic concept of provident fund certification.
Certification of the amount of provident fund refers to that the depositor of provident fund submits relevant certification materials to the provident fund management department and increases the amount of deposit in his provident fund account after approval. The increase of this quota will help depositors to enjoy a higher provident fund loan quota or withdrawal quota in future scenarios such as buying houses and repaying loans.
Second, the impact of provident fund quota certification
Increase in loan amount: After the provident fund is certified and raised, when the depositor applies for a provident fund loan, the available loan amount will increase accordingly due to the increase in account balance. This is undoubtedly good news for depositors who need to buy houses, which can reduce the pressure of buying houses.
Increase in withdrawal amount: In addition to the loan amount, the withdrawal amount of provident fund certification will also affect the withdrawal amount. If the withdrawal conditions are met, the depositor can withdraw more funds from the provident fund account for the purposes of buying houses, repaying loans and renting houses.
Improve the efficiency of the use of provident fund: the amount certification of provident fund is helpful to improve the efficiency of the use of provident fund. By increasing the deposit amount, the depositor can make full use of the welfare system of the provident fund to achieve the purpose of buying a house and repaying the loan.
Three. Matters needing attention in the certification of provident fund quota
Submit true materials: when applying for the certification of provident fund amount, the depositor needs to submit relevant certification materials. These materials must be true and valid, otherwise the application may fail or be sanctioned by law.
Pay attention to policy changes: the provident fund policy will be adjusted according to the national economic and social development. Therefore, depositors need to pay attention to policy changes when handling the certification and withdrawal of provident fund to ensure that they meet the latest application conditions.
Reasonable planning and use: Although the certified amount of provident fund can increase the loan and withdrawal amount, depositors still need to plan and use the provident fund reasonably to avoid over-reliance on the provident fund and neglect other financial planning.
To sum up:
The certification and withdrawal of provident fund has an important influence on the use and withdrawal of provident fund. By increasing the deposit amount of provident fund account, depositors can enjoy higher loan and withdrawal amount, thus reducing the pressure of buying houses and improving the efficiency of provident fund use. However, in the application process, depositors need to pay attention to submitting real materials, pay attention to policy changes, and rationally plan and use the provident fund.
Legal basis:
Regulations on the administration of housing provident fund
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.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Regulations on the administration of housing provident fund
Article 16 stipulates:
The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.