First, the provident fund deposit
Huaian Housing Provident Fund Management Center is responsible for the supervision and management of provident fund deposit within the city. According to relevant regulations, employers and employees should pay a certain percentage of housing provident fund on a monthly basis for employees' housing consumption and housing loans. The center will regularly check the deposit situation to ensure that the provident fund is paid in full and on time.
Second, the provident fund withdrawal
Under certain conditions, employees can apply to Huai 'an 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 housing loans, retirement and so on. According to the materials and certificates provided by employees, the center examines the withdrawal application to ensure the compliance of the use of the provident fund.
Third, provident fund loans.
Huai 'an Housing Provident Fund Management Center also provides housing provident fund loan services for eligible employees. When buying a house, employees can apply for provident fund loans and enjoy lower interest rates and longer repayment periods. The center will examine and approve the loan application to ensure the compliance and safety of loan issuance.
Fourth, the preservation and appreciation of provident fund.
Huai 'an Housing Provident Fund Management Center is also responsible for maintaining and increasing the value of the provident fund. The center will invest and operate the provident fund to obtain certain income and provide more housing financial support for employees. At the same time, the center will also strengthen risk management and supervision to ensure the safety and stability of the provident fund.
To sum up:
Huai 'an Housing Provident Fund Management Center, as the provident fund management institution in Huai 'an, undertakes many responsibilities such as the deposit, withdrawal, loan, preservation and appreciation of the provident fund. Through standardized management and supervision, the center ensures the compliant use and safe operation of the provident fund and provides a strong guarantee for the housing rights and interests of employees.
Legal basis:
Regulations on the administration of housing provident fund
Article 2 provides that:
These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).
Regulations on the administration of housing provident fund
Article 10 stipulates:
The cities where the people's governments of municipalities directly under the central government, provinces and autonomous regions are located and other cities divided into districts (prefectures and leagues) shall set up housing provident fund management committees as decision-making bodies for housing provident fund management. Among the members of the Housing Provident Fund Management Committee, responsible persons and relevant experts from the people's government, construction, finance, People's Bank and other relevant departments account for 1/3, trade union representatives and employee representatives account for 1/3, and unit representatives account for 1/3.
Regulations on the administration of housing provident fund
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.