General dishonesty includes: 1, and the accumulated overdue time of housing provident fund loans reaches more than 3 (inclusive) and less than 6 (exclusive); 2. In the last 2 years, the accumulated overdue commercial loans reached 3 periods (inclusive) and 6 periods (excluding student loans); 3. The accumulated overdue period of the credit card in the past two years has reached more than 3 periods (inclusive) and less than 6 periods (excluding annual fees); 4. Those who attempted to withdraw the housing accumulation fund by illegal means in the past three years: 5. The debt disputes that have been handled have been registered by the relevant departments; 6. Other personal information recognized by the management center that should enter the category of general dishonesty.
Serious breach of trust includes: 1, housing provident fund loans have been overdue for more than 6 periods (inclusive); 2. Whether there are overdue housing provident fund loans, commercial loans and credit cards; 3. In the last 2 years, the accumulated overdue commercial loans have reached more than 6 periods (inclusive) and no reasonable explanation has been issued (except for student loans); 4. The credit card has been overdue for more than 6 periods (inclusive) in the past two years without a reasonable explanation (except annual fee); 5, in the past 5 years to take illegal means to extract housing provident fund or housing provident fund loans; 6, in the past two years, there have been serious economic crimes or acts endangering social security, and the relevant departments have put on record; 7, there is a debt dispute has not been registered by the relevant departments; 8. Other personal information identified by the management center that should enter the category of serious dishonesty.
According to different situations, citizens who are recorded in the record of dishonesty will be restricted from withdrawing provident fund and loans.
Individuals who are classified as seriously untrustworthy in the classification of credit information are not allowed to handle all withdrawal business. Those who are classified as serious dishonesty in Article 2 and have not paid off the housing provident fund in overdue loans are only allowed to handle the loan business of withdrawing the housing provident fund (housing subsidy) and returning the housing provident fund. Individuals who are classified as the fourth general dishonesty in the classification of credit information are only allowed to buy the only self-occupied house, major illness and minimum living allowance. In terms of provident fund loans, if an individual is classified as seriously untrustworthy in the credit information classification, the qualification for housing provident fund loans will be suspended.
Legal basis: Regulations on the Management of Housing Provident Fund
Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.
Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.
The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage 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.