"Flexible employees can choose any branch of the housing provident fund to set up a personal account nearby. They only need to provide their identity documents and bank cards, and fill out the "Application Form for Opening an Account for Housing Provident Fund for Flexible Employees" on the spot to successfully handle it. " The staff of Jining City Housing Provident Fund Collection Office said that individual industrial and commercial households and freelancers who are over 18 years old, men under 60 years old and women under 55 years old are flexible employees and can voluntarily pay the housing provident fund.

It is understood that when flexible employees pay the provident fund, they should apply by themselves and sign an agreement with the provident fund center to stipulate the payment method, payment amount, rights and obligations of both parties. Moreover, when applying for the deposit of provident fund, flexible employees should start the deposit from the month or the next month when the application account is established, and may not pay the housing provident fund of last month. Flexible employees must deposit the money into the bank debit card agreed in the agreement before the 20th of each month for deduction. The deposit base of flexible employees shall be approved according to the average monthly income of the previous year and conform to the scope stipulated by this Municipality; The deposit ratio is twice that of the employees in this Municipality, and they can choose independently within the prescribed scope. The deposit funds shall be borne by myself.

Flexible employees should pay the housing provident fund in full and on time. If the housing provident fund is not paid in time, the provident fund center will seal up their personal accounts. Flexible employees who apply for renewal after stopping payment should apply to the provident fund center for renewal, and re-sign the deposit plan. After the account is unsealed, the deposit time of the housing provident fund will be recalculated. And flexible employees should continue to pay the provident fund after handling the housing provident fund loan, and may not stop paying or reduce the monthly payment.

Second, the detailed process of seeking help from Jining provident fund loan

Spread out completely

Never transfer ownership before going to the provident fund management center for approval. You should go to the center for examination and approval with the real estate license and land certificate of the previous owner. The center will approve the loan amount and designate a bank loan according to the specific situation of your house. The loan amount is calculated by ten times the balance of your provident fund account, and there is an upper limit of 300 thousand for a single person. At the same time, you must pay more than 20% of the house price down. When buying a house for the first time, the area is less than 90 square meters, and the personal account balance is less than 300,000 times. Under the condition of meeting the down payment of 20%, you can borrow 300,000 yuan. It should also be emphasized that the price of second-hand houses is generally based on the evaluation price of the evaluation company, which is lower than the actual transaction price, and the center is also approved according to the evaluation price. After you get approval in the center, you should take the form to the designated bank to handle business. After that, you have to transfer your own real estate license and land certificate. This usually takes a week. When you get a new certificate, you can go to the bank for a loan. General provident fund loans are from 1 to 24 and 25, which only accept business and do not lend money.

Third, how to deal with Jining provident fund loans in different places?

The handling of provident fund loans can be viewed from three aspects: handling conditions, materials to be provided and handling steps. The treatment conditions are very simple. There are three conditions that need to be met in handling off-site loans in Jining. First, you need Jining household registration, and secondly, you need to pay the provident fund normally in the employment city. Furthermore, it means that the provident fund loan has never been used, or the provident fund loan has been paid off, but the number of loans is no more than two, that is, the third loan cannot be made with the provident fund. Regarding the materials to be submitted when handling, when handling the provident fund loan in different places, you need to go to the place where the manager has paid the provident fund and issue three certificates, such as the certificate of deposit of the provident fund, the details of personal deposit in the past six months, and the certificate of no provident fund loan, and then you can handle the provident fund loan in Jining. The processing steps seem far away, but it is actually not troublesome: assuming that the provident fund is paid in Jinan and you want to buy a house in Jining, you must first consult the Jining Housing Provident Fund Management Center and be told the materials that need to be reviewed for the loan at one time; Next, I went to Jinan Housing Provident Fund Management Center to apply. After verification, the other party will issue a certificate of deposit and use of housing provident fund for employees with foreign loans. With this certificate, I can apply for a provident fund loan in Jining.

Four, help Jining provident fund loan detailed process

Never transfer ownership before going to the provident fund management center for approval. You should go to the center for examination and approval with the real estate license and land certificate of the previous owner. The center will approve the loan amount and specify the bank loan. The loan amount is calculated by ten times the balance of your provident fund account, and there is an upper limit of 300 thousand for a single person. At the same time, you must pay more than 20% of the house price down. When buying a house for the first time, the area is less than 90 square meters, and the personal account balance is less than 300,000 times. Under the condition of meeting the down payment of 20%, you can borrow 300,000 yuan. It should also be emphasized that the price of second-hand houses is generally based on the actual transaction price of the appraisal company, and the center is also approved according to the appraisal price. After you get approval in the center, you should take the form to the designated bank to handle business. After that, you have to transfer your own real estate license and land certificate. If you get a new certificate, you have to go to the bank for a loan. General imprest only accepts business and will not be issued on 25th.