The newly established unit shall go through the deposit registration with the local housing provident fund management institution within 30 days from the date of establishment.
2. What relevant materials should the newly established unit provide to open an account? When did you start to pay the housing provident fund?
(1) Party and government organs, institutions or social organizations are required to issue the original and photocopy of the unit establishment approval document or legal person certificate; Independent accounting enterprises are required to issue the original and photocopy of their business licenses; The representative offices or offices of foreign countries and foreign agencies shall issue the original and photocopy of the registration certificate issued by the local administrative department for industry and commerce.
(2) The original and photocopy of the organization code certificate.
(3) Registration form of basic information of the depositor of housing provident fund, remittance book (introduction sheet for opening an account of housing provident fund) and payment book of housing provident fund.
When the unit opens an account, it begins to pay the housing provident fund together.
3. How is the deposit base of housing provident fund determined?
The deposit base of housing provident fund is calculated according to the average monthly salary of employees in the previous year. The average monthly salary is calculated according to the items listed in the statistics of total wages stipulated by the National Bureau of Statistics.
4. What is the minimum deposit base of housing provident fund?
The deposit base of housing provident fund shall not be lower than the minimum wage standard of the year announced by the municipal government.
5. What is the scope of application of the minimum deposit base of housing provident fund?
The minimum deposit base is only applicable to units that pay workers wages according to the minimum wage due to difficulties in production and operation.
6. What is the current minimum deposit ratio of housing provident fund?
The minimum deposit ratio of employee housing provident fund and unit housing provident fund is 5%, the maximum is 12% and shall not be less than 5%.
7. How is the monthly deposit amount of housing provident fund stipulated?
The monthly deposit amount of employee housing provident fund is the employee's own housing provident fund deposit base multiplied by the employee housing provident fund deposit ratio, which is withheld and remitted by the employer from his salary every month.
The monthly deposit amount of housing provident fund paid by the unit for employees is the employee's own housing provident fund deposit base multiplied by the unit deposit ratio.
8. What is the time limit for housing provident fund deposit?
The unit shall remit the housing provident fund paid by the unit and remitted for the employees into the housing provident fund account of the housing provident fund management center within 5 days from the date of monthly payment of employees' wages.
New employees start to pay housing provident fund from the second month of work, and newly transferred employees start to pay housing provident fund from the month when they are transferred to the unit.
9. If the unit has never paid the housing provident fund, how should the amount be determined?
The amount of housing provident fund paid by the unit (including the unit's own payment and the people's court's compulsory payment) can be determined in different ways according to the actual situation: if the unit has never paid the housing provident fund, it should, in principle, pay the housing provident fund owed to the employees from the month when the Regulations (Order No.262 of the State Council) were issued (1April 1999). If the unit does not provide employees' wages or employees have objections to the wages provided, the management center can calculate the wages according to the wages approved by the local labor department and the judicial department or the average wages of employees published by the municipal statistics department in the previous year.
10. how to determine the responsible subject of housing provident fund deposit in the merger, division and restructuring of units?
Where a unit is merged, divided or restructured, it shall pay back the previously unpaid housing provident fund (including unpaid and underpaid) for employees. When the unit is merged, divided or restructured, it is unable to pay the housing provident fund, and the responsible subject of housing provident fund payment shall be clarified before handling the relevant procedures.
1 1. How to determine the responsible subject of housing provident fund deposit when the unit is revoked, dissolved or bankrupt?
Where a unit is revoked, dissolved or bankrupt, priority should be given to repaying the housing provident fund owed to employees during liquidation. Specifically, the liquidation team will calculate the housing provident fund owed by employees during their employment and deposit it in the housing provident fund management center.
12. how to transfer the employee housing provident fund between units in the same deposit place and when the units are merged or divided?
Workers can go through the transfer procedures of housing provident fund in the case of transfer between units in the same place of deposit and merger or division of units. When handling the transfer, fill in the "Housing Provident Fund Transfer Certificate" and affix the official seal of the transfer-in and transfer-out unit.
13. The transfer-out unit has been cancelled. How to transfer the housing provident fund?
If the transfer-out unit has been cancelled, the certificate of cancellation of the transfer-out unit issued by the industrial and commercial department (or the certificate of cancellation of the unit issued by the competent department or the state-owned asset management company), the original and photocopy of the employee ID card, and the "Certificate of Housing Provident Fund Transfer" is only stamped with the official seal of the transfer-in unit.
14. How to transfer the employee housing provident fund within the administrative area? If the new unit does not establish a housing provident fund deposit relationship, can the housing provident fund be transferred?
On the premise of opening a housing provident fund account in the transferred unit, provide the personnel transfer letter issued by the human resources and social security department or the acceptance certificate of the transferred unit. Transfer shall be handled by the transfer-out unit.
If the new unit has not established the deposit relationship of housing provident fund, the employee's provident fund can only be sealed by the transfer-out unit, and the deposit will be transferred when the new unit opens a housing provident fund account.
15. How to seal up the housing provident fund account when the unit terminates the labor relationship with the employees?
Where the unit and the employee terminate the labor relationship, the unit shall, within 30 days from the date of termination of the labor relationship, go to the local housing provident fund management institution to handle the formalities for sealing the employee housing provident fund account, and fill out the Change Form (in duplicate, with official seal).
16. How can employees whose accounts are sealed meet the withdrawal conditions to withdraw housing provident fund?
Sealed employees who meet the conditions of housing provident fund extraction shall apply to the original deposit unit, provide the original and photocopy of valid certification materials, which shall be verified by the original deposit unit and issue the extraction certificate, which shall be audited by the housing provident fund management institution and go through the extraction procedures.
17. How to register the change after the company name is changed?
If the name of the unit changes, it shall go through the registration of change at the local housing provident fund management institution within 30 days from the date of change. Just provide one of the following materials:
(1) A copy of the approval from the superior department and the name change certificate issued by the company (official seal of the company is required);
(2) A copy of the approval of the industrial and commercial department and the certificate of name change issued by the unit (official seal of the unit is required).
18. How is the reconciliation year of housing provident fund stipulated?
The reconciliation year of housing provident fund is 1 year from July to June 30th of the following year.
19. How to calculate the housing provident fund interest?
The housing provident fund shall bear interest at the interest rate stipulated by the state from the date of deposit in the housing provident fund account. China's housing provident fund implements a low interest rate policy, calculated according to the deposit interest rate listed on the interest settlement date, and transferred to the carry-over households in the previous year after interest settlement; The interest is calculated according to the 3-month lump-sum time deposit rate published on the interest settlement date carried forward last year. The interest settlement date is June 30th of each year.
20. How can employees withdraw the housing provident fund when they buy a house at one time?
Workers who purchase commercial housing at one time shall provide the original and photocopy of the real estate license, the original and photocopy of the real estate sales invoice or the purchase contract, and the real estate sales invoice. Subject to the time of real estate license or invoice, it will be handled within one year.
Purchase a second-hand house with one-time payment, and provide the original and photocopy of the real estate license, the full sales invoice of the real estate, and the deed tax payment certificate. The time of real estate license, invoice or deed tax payment certificate shall be within one year.
2 1. Why do employees need to provide invoices for full sales of real estate for one-time payment?
You need to provide an invoice on the basis of the real estate license. The first reason is that if employees obtain real estate through gifts, they also have real estate licenses but no invoices, and there is no actual purchase expenditure, which does not meet the extraction conditions according to regulations. However, if only real estate licenses are provided, the way of obtaining real estate cannot be judged; Second, according to the regulations, the total withdrawal of buyers and their spouses can not exceed the actual purchase cost, and provide invoices as the basis for audit.
22. What are the loan ranges for buying and building owner-occupied housing?
Loans for the purchase and construction of owner-occupied housing, including individual housing provident fund loans, commercial individual housing loans and individual housing portfolio loans, have been repaid on schedule for 12 months, and the amount in the housing provident fund account of the lender himself and his spouse can be applied for withdrawal during the repayment period.
23, employee housing provident fund loans to buy a house how to withdraw housing provident fund?
When employees apply for housing provident fund loans, they shall fill in the Application Form for Repayment of Housing Provident Fund Loans (in triplicate).
24. How to withdraw the housing provident fund when employees purchase houses with commercial loans?
Employees applying for commercial housing loans should fill in the Application Form for Loan Withdrawal from Housing Provident Fund Repayment (in triplicate), and provide the original and photocopy of the loan contract, the repayment schedule for the previous 12 months issued by the bank (stamped with the official seal of the bank), and the original purchase contract filed by the housing management department (the second-hand house provides the deed tax payment certificate or the original sales invoice for the full amount of real estate).
Item 25-26, if the lender's spouse withdraws it, the original and photocopy of the marriage certificate or the same household registration book shall also be provided.
25. How do people who settle abroad withdraw housing provident fund?
Provide the original and photocopy of the passport for going abroad (territory) settlement.
26. How do students studying in different places (referring to full-time study) withdraw housing provident fund?
(1) studying in a domestic university: provide the original and photocopy of the admission notice and unit certificate;
(2) Studying abroad: provide the admission notice, the original passport and a copy.
27, the worker died or was declared dead, how does the unit withdraw housing provident fund?
Provide the original and photocopy of the household registration cancellation certificate issued by the local police station or the death certificate or cremation certificate issued by the hospital.
28. How can I withdraw the housing provident fund if I completely lose my ability to work and terminate my labor relationship with my unit?
Provide the original and photocopy of the certificate of termination of labor relations between employees and units, the certificate issued by the people's hospital at or above the county level or the disability appraisal certificate issued by the labor ability appraisal Committee.
29. How to withdraw the housing provident fund by paying off the loan principal and interest in advance?
Provide the repayment settlement certificate issued by the bank and the statement of the final repayment amount, and the unit will handle the withdrawal within one month after paying off the loan. The total withdrawal amount of both husband and wife shall not exceed the last repayment amount.
30. How to determine the withdrawal amount of housing provident fund when buying owner-occupied housing in one lump sum?
If the owner-occupied housing is purchased by one-time payment, the employee himself and his spouse can withdraw the storage balance in his housing provident fund account at one time, but the total amount of withdrawal shall not exceed the actual purchase expenditure.
3 1. How to determine the withdrawal amount of housing provident fund for loan purchase and construction of owner-occupied housing?
The total withdrawal amount of the lender and its spouse shall not exceed the total repayment amount of the current period.
32. Why should it be stipulated that the annual withdrawal amount of employees and their spouses who purchase houses with loans should not exceed the repayment expenditure of that year?
In 2005, the former Ministry of Construction, the Ministry of Finance and the People's Bank of China jointly stipulated (J.J.Z. [2005] No.5): "If employees use personal housing loans, employees and their spouses can withdraw their account balances to repay the loan principal and interest according to regulations. The amount of each withdrawal shall not exceed the amount of interest payable in the current period. " In recent years, with the sharp increase in loan demand and withdrawal purposes, the situation of tight funds has begun to appear. In order to overcome this problem, on the one hand, we strengthen the collection efforts, on the other hand, we standardize the withdrawal conditions, and appropriately tighten the withdrawal conditions that were too loose when the funds were abundant in the past according to the regulations of the business superiors. Only in this way can we better reflect the particularity of housing provident fund, increase accumulated funds and provide help to more low-and middle-income workers who need to solve basic housing problems.
33. How to determine the withdrawal amount of housing provident fund such as retirement and transfer from administrative areas?
Such as retirement, study abroad, etc., you can withdraw the principal and interest balance in your housing provident fund account and cancel the employee housing provident fund account.
34. Which units should pay the housing provident fund?
State organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations.
35. When and how was the Regulation on the Management of Housing Provident Fund promulgated? When was it revised?
65438+1On April 3, 1999, the State Council Decree No.262 was promulgated and implemented, and on March 24, 2002, the State Council Decree No.350 promulgated the decision to amend the regulations.
36. What kind of punishment should be given to units that do not register housing provident fund deposits or set up housing provident fund accounts for employees?
The housing provident fund management center shall order it to handle it within a time limit; Failing to handle it within the time limit, a fine of 6,543,800 yuan and 50,000 yuan will be imposed.
37, the unit fails to pay or underpays the housing provident fund behavior should be how to deal with?
By the housing provident fund management center shall be ordered to pay within a time limit; If the deposit is not made within the time limit, it shall apply to the people's court for compulsory execution.
38. What is the subject of administrative law enforcement of housing provident fund?
Housing provident fund management center is an independent institution directly under the people's government, and it is the main body of administrative law enforcement of housing provident fund, and is responsible for the administrative law enforcement of housing provident fund in this administrative area.
39, found what situation, management center should put on record for investigation?
In any of the following circumstances, it shall be the reason for filing the case:
(1) The unit does not go through the registration formalities for housing provident fund deposit;
(two) the unit fails to pay or underpays the housing provident fund;
(3) the unit does not handle the procedures for the establishment of housing provident fund accounts for employees.
40. What is the legal responsibility for misappropriating housing provident fund?
In violation of the provisions of the Regulations on the Administration of Housing Provident Fund, if the housing provident fund is misappropriated, the misappropriated housing provident fund shall be recovered; Illegal income, confiscate the illegal income, incorporated into the housing provident fund; If the case constitutes a crime, criminal responsibility shall be investigated according to law; If it does not constitute a crime, the directly responsible person in charge and other directly responsible personnel shall be given administrative sanctions according to law.
4 1. What is a personal housing provident fund loan?
Personal housing provident fund loan refers to the borrower's timely and full payment of housing provident fund in accordance with the regulations on the management of housing provident fund. When buying a self-occupied house, the purchased house or other property with ownership is used as a mortgage or pledge, or a third party provides a guarantee for its loan and assumes joint and several liability for servicing the principal and interest, and applies for a housing loan with housing provident fund as the source of funds.
42. What is the scope of housing provident fund loans?
Workers who have paid the housing provident fund in accordance with the regulations may apply for housing provident fund loans to the housing provident fund management agencies when purchasing (new commercial housing, housing reform, fund-raising housing, demolition and resettlement housing, second-hand housing), building, renovating or overhauling their own houses.
43. What conditions should borrowers who apply for individual housing provident fund loans meet?
Applicants applying for housing provident fund loans must be natural persons with full capacity for civil conduct and meet the following conditions:
① Household registration or valid residence status;
(2) Self-raised funds equivalent to more than 20% of the purchase (new commercial housing, housing reform, fund-raising housing, resettlement housing and second-hand housing), construction, renovation and overhaul of owner-occupied housing (if the housing area is less than 90 square meters, the self-raised funds shall not be less than 20%; If the purchased housing area is 90- 144 square meters, the self-raised funds shall not be less than 30%; If the purchased housing area is 144 square meters, the self-raised funds shall not be less than 40%; );
(3) have a stable economic income and the ability to repay the principal and interest of the loan on schedule;
(4) Agree to use real estate with complete property rights as collateral or securities as pledge;
(5) The applicant must pay the housing provident fund in full and on time (if the housing provident fund has been paid for less than one year, it will not be handled if it is interrupted for three months);
⑥ There are no personal loan debts of housing provident fund and other debts that have not been paid off and may affect the repayment ability of loans.
⑦ No record of non-performing loans.
44. What materials should be prepared for the new commercial housing loan?
(1) 3 copies of the Approval Form for Housing Provident Fund Loan Application;
(2) The original and three copies of the household registration book, resident ID card and marriage certificate of the borrower and spouse; Singles need to provide the original and photocopy of the single certificate and divorce certificate issued by the civil affairs department; (47-2, the same below)
3 originals of legal and valid purchase contract. 3 copies of business license of housing development unit, pre-sale permit of commercial housing (auction house), sales permit of commercial housing, completion acceptance certificate and big house certificate;
(4) In case of mortgage or pledge guarantee, it is required to provide 3 originals and photocopies of the ownership certificate of the mortgage or pledge right, and 3 originals of the written certificate of consent of the disposition right holder to mortgage (pledge);
⑤ Where the guarantee is involved, the guarantor shall issue three originals of written commitment to provide the guarantee, and provide three copies of supporting materials (including business license, financial statements for the last three years, qualification certificate, credit certificate, etc.). The guarantor has the ability to guarantee;
⑥ Original and three copies of down payment documents (invoices, receipts, bank receipts, cash payment bills, etc.). ) The borrower has paid more than the specified proportion of the house price;
⑦ Other documents and materials stipulated by the housing provident fund management institution.
45. What materials should be prepared for second-hand housing loans?
(1) 3 copies of the Approval Form for Housing Provident Fund Loan Application;
(2) The original and three copies of the household registration book, identity card and marriage certificate of both husband and wife;
(3) 3 originals of the legal and valid house transaction contract signed with the house property owner (including the house owner); If the house transaction contract is not signed, 3 original written certificates of consent to the sale shall be provided;
(4) The ownership certificate of the transaction house, that is, the original and three copies of the real estate license. * * * For some houses, the original and three copies of the real estate license shall be provided;
(5) prepaid house purchase bill, original deed tax payment certificate and 3 copies;
⑥ In case of mortgage or pledge guarantee, the original and three copies of the ownership certificate of the mortgaged property or pledge right shall be provided, and three originals of the written certificate of the disposition owner's consent to mortgage (pledge) shall be provided. If the purchased house or other collateral is mortgaged, it is also necessary to provide 3 originals of the evaluation report on the transaction house or other collateral issued by the evaluation institution recognized by the lending institution;
All landowners involved in the guarantee, the guarantor guarantee ability certificate in three copies (including business license, financial statements for the last three years, qualification grade certificate, credit grade certificate, etc. ) should be provided;
⑧ Other materials specified by the housing provident fund management institution.
46. What materials should be prepared for raising funds to build individual housing provident fund loans?
(1) 3 copies of the Approval Form for Housing Provident Fund Loan Application;
(2) 3 originals and photocopies of the fund-raising housing plan and approval document approved by the competent department, state-owned land use certificate, construction land planning permit, construction project planning permit and building construction permits;
Original and 3 copies of the unit fund-raising plan;
(4) 3 copies of the basic information form of employees participating in fund-raising housing construction;
⑤ 3 originals of the staged guarantee issued by the unit;
The original and 3 copies of the certificate that the individual has paid the fund-raising housing provident fund;
⑦ 3 originals of the contract or agreement on fund-raising housing signed by the loan applicant and the unit;
3 originals and photocopies of the household registration book, ID card and marriage certificate of the borrower and spouse.
47. What materials should be prepared for individual self-built housing loans?
(1) 3 copies of the Approval Form for Housing Provident Fund Loan Application;
(2) 3 originals and photocopies of the construction land planning permit, land use right certificate, project planning permit, construction permit and related materials;
(3) The original and 3 copies of the project contract signed with the project contractor;
(4) 3 originals of the project (material) budget for the funds needed for building approved or recognized by the evaluation institution recognized by the lending institution;
(5) Proof that the self-raised funds or quantities have reached the proportion specified in the project budget, including 3 originals and photocopies of relevant documents of self-raised funds or invested funds;
6. The original and three copies of the household registration book, ID card and marriage certificate of the borrower and spouse.
48, housing reform resettlement housing loans need to prepare what materials?
(1) 3 copies of the Approval Form for Housing Provident Fund Loan Application;
For the purchase of housing reform, 3 originals of the commitment letter of the housing property unit and 3 originals and copies of the housing reform calculation form shall be provided.
(3) For the demolition and resettlement house, the original and 3 copies of the demolition and resettlement agreement shall be provided.
(4) Other materials provided according to the loan requirements for new commercial housing.
49. What is the current minimum down payment ratio for provident fund loans?
The minimum down payment ratio of housing provident fund loans is 20% for employees who apply for purchasing ordinary housing below 90 square meters (inclusive); For the purchase of 90- 144 square meters (inclusive) housing, the minimum down payment ratio of housing provident fund loan is 30%; For the purchase of 144 square meters or more, the minimum down payment ratio of housing provident fund loans is 40%; The minimum down payment ratio of the second-home housing provident fund loan is 60%.
50. What are the provisions for the loan amount of individual housing provident fund?
The maximum amount of personal housing provident fund loan: 300,000 yuan for new commercial housing and 200,000 yuan for second-hand housing, which does not exceed a certain proportion of the purchase price.
5 1. What are the provisions on the loan term of individual housing provident fund?
The longest term of individual housing provident fund loans: 30 years for newly-built commercial housing and 20 years for second-hand housing. And the loan term plus the borrower's age at the time of borrowing shall not exceed the borrower's legal retirement age. Special jobs, according to the actual retirement age. The shortest period is 1 year.
52. How to calculate the maximum loanable amount of the lender?
The maximum loanable amount of the lender must meet the following two conditions at the same time:
(1) loanable amount ≦ sum of deposit bases of housing provident fund of both husband and wife of the loan applicant × 12 months× loan period× individual repayment coefficient (tentatively set at 0.4);
② Monthly repayment amount ≦ (borrower's provident fund deposit base+spouse's provident fund deposit base) ÷2.
53. What is the interest rate of individual housing provident fund loan?
20 1 1 On July 7th, the latest personal housing provident fund loan interest rate announced by the People's Bank of China was 4.45% for less than five years (including five years) and 4.9% for more than five years. On this basis, the interest rate of the second suite rose by 10%.
54. What are the repayment methods of individual housing provident fund loans?
If the loan term is 1 year, the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid off with the principal; If the loan term exceeds 1 year, the repayment method of equal principal and interest or average capital will be adopted, and the applicant will repay the loan on a monthly basis from the next month of the loan, and the entrusted bank will deduct the borrower's loan principal and interest on a monthly basis and transfer it to the account of the housing provident fund management institution.
55. What is the main difference between equal principal and interest repayment and average capital repayment?
(1) average capital repayment method, which starts to repay more capital, resulting in a decrease in interest; Matching principal and interest repayment method, the initial repayment of principal is less, and interest is relatively more. Under the same loan amount, interest rate and loan life, the total interest of the average capital repayment method is less than that of the equal principal and interest repayment method.
(2) Matching principal and interest repayment method, with the same monthly repayment amount and the same repayment pressure; The average capital repayment method, the early repayment is more than the late repayment, and the early pressure is heavier than the late repayment, which requires high repayment ability.
(3) Matching principal and interest repayment method is applicable to loan families with stable family income during the whole loan period, such as personnel of state organs, scientific research and teaching units; The repayment method of average capital is suitable for enterprise employees or middle-aged and elderly employees' families whose current income is good but their future work situation is unpredictable. And families with tight funds, insufficient savings and eager to decorate are not suitable for the repayment method of average capital.
56. What is the repayment amount of 100 10 in the first month calculated by average capital's repayment method (calculated by the whole month)?
Formula of average capital repayment method:
Monthly principal and interest repayment amount = principal ÷ repayment months+(principal-accumulated repaid principal) × monthly interest rate =10000 ÷120+(100000-0) × 0.049/12.
57. Why must the life of housing provident fund loans and commercial loans in portfolio loans be the same?
As the mortgage (pledge) of the housing provident fund loan is the same as that of the commercial loan in the portfolio loan, if the borrower fails to pay off the loan at the expiration of the loan term, the entrusted bank shall deal with the set mortgage (pledge). The term of the provident fund loan is inconsistent with that of the commercial housing loan. If one loan is due and the other loan is not, the collateral (pledge) cannot be disposed of separately. Therefore, the term of housing provident fund loans and commercial loans in portfolio loans should be consistent.
58. How is the interest rate policy for individual housing provident fund loans implemented?
The interest rate of individual housing provident fund loans shall be implemented according to the interest rate announced by the People's Bank of China for the same period. In case of interest rate adjustment during the loan period, the new interest rate will be implemented from 1 in the following year.