Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. It has the characteristics of security, mutual assistance and long-term, and is mainly used for employees to buy, build, renovate, overhaul and decorate their own houses or pay rent.
From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development. According to the regulations of China, all enterprises, whether state-owned or private, should pay the housing accumulation fund for their employees. The housing accumulation fund paid by enterprises and institutions does not belong to the nature of total wages, but belongs to the cost of enterprises.
The use of Nanjing provident fund
Buying a house is undoubtedly the most mainstream use of the provident fund at present. If property buyers choose to pay the house price in one lump sum, they can apply for a one-time withdrawal of housing provident fund. In the case of choosing a loan, whether it is a pure commercial loan or a portfolio loan, you can withdraw the provident fund to repay the principal and interest.
When renting a house, many young people said that they would rather choose to rent a house than bear the burden of mortgage. In fact, even if they choose to rent a house, the provident fund can be used for you. As long as you have paid the housing provident fund in full for 3 months and don't own a house, you can go to the housing provident fund service outlets in June and 65438+February every year by providing relevant materials such as proof of no house, proof of marital status and ID card. If you missed June this year, don't miss the one in 65438+February again.
In the era of "difficult to see a doctor", it is not just medical insurance that can be used to treat diseases. In the case that family members such as employees, spouses and minor children are hospitalized due to major diseases or major operations, employees and their spouses can apply for withdrawal of housing provident fund, and the application date should be within 1 year from the date of discharge.