First, the housing provident fund deposit
Meihekou Housing Provident Fund Management Center is responsible for supervising and managing the housing provident fund paid by enterprises, institutions and individuals. According to the national and local policies and regulations, employers and individuals need to pay a certain percentage of housing provident fund on a monthly basis to support the needs of employees to purchase houses and repay loans. By establishing a perfect deposit system, the center ensures the safe, compliant and efficient operation of housing provident fund.
Second, the housing provident fund extraction
Under certain conditions, employees can apply to Meihekou Housing Provident Fund Management Center for withdrawal of housing provident fund. These conditions include buying a house, repaying a loan, renting a house and retiring. The center will review the application materials submitted by employees according to the policy to ensure that the extraction behavior is legal and compliant. At the same time, the center also provides convenient extraction services to facilitate employees to obtain the required housing provident fund in time.
Third, housing provident fund loans.
Meihekou Housing Provident Fund Management Center also provides housing provident fund loan services for eligible employees. When buying a house, employees can apply to use the funds in the individual housing provident fund account as the source of loans and enjoy lower interest rates and preferential policies. The center will strictly examine loan applications to ensure the compliance and safety of loan issuance, and provide services such as loan consultation and repayment guidance to help employees make better use of housing provident fund loans to realize their dream of buying a house.
Four. Policy advice and services
As an official institution, Meihekou Housing Provident Fund Management Center also undertakes the responsibility of policy consultation and service. The center will release and interpret the policies related to housing provident fund in a timely manner, and provide policy advice and guidance services for employees. At the same time, the center also provides convenient and efficient services for employees through online and offline channels, and answers employees' questions and puzzles in housing provident fund management.
To sum up:
Meihekou Housing Provident Fund Management Center, as a public institution, is responsible for the deposit, withdrawal, loan and related policy consultation and service of housing provident fund in meihekou city. By establishing a sound system and providing convenient services, the center ensures the safe, compliant and efficient operation of housing provident fund, and provides strong support for employees to purchase houses and repay loans.
Legal basis:
Regulations on the administration of housing provident fund
Article 15 stipulates:
Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go through the formalities for the establishment or transfer of employee housing provident fund accounts.
Units and employees who terminate the labor relationship shall, within 30 days from the date of termination of the labor relationship, go through the formalities of change registration at the housing provident fund management center, and go through the formalities of transferring or sealing the employee housing provident fund account.
Regulations on the administration of housing provident fund
Article 24 provides that:
In any of the following circumstances, the employee 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 26 provides that:
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.