The General Office of Hubei Provincial People's Government issued the Notice on Further Strengthening the Management of Housing Provident Fund. This is the programmatic document of housing provident fund, which was first issued by our province in China since the Third Plenary Session of the 18th CPC Central Committee. It consists of 16 articles in 5 parts, and it is called 16 articles in the New Deal of Hubei Housing Provident Fund.

The Notice proposes that the provident fund can be used for house decoration, and cities with the same districts must implement the same deposit ratio, explore the establishment of a provincial-level housing provident fund transfer financing mechanism and the securitization business of individual housing loan assets of housing provident fund, strengthen the role of the housing provident fund management committee, and timely include labor dispatch personnel and migrant workers with stable jobs in cities into the scope of housing provident fund deposit. Some of these reform measures for benefiting the people are the first in the country, and some have made major breakthroughs, which have a leading demonstration role in the country.

conditions for withdrawal are relaxed

It is necessary to strictly manage the withdrawal and use of the Capital Provident Fund for decoration and property fees

However, many employees who deposit the Fund report that there is only one way to withdraw and use the Fund, and the rest are rarely used for construction, renovation and overhaul. Therefore, the benefits of the Fund are too narrow, and the low-income people who can't afford a house can hardly enjoy the benefits of the Fund. Some people even think that the provident fund is? Rob the poor and help the rich? .

In this Notice, many conditions for withdrawal have been relaxed. For example, employees and their spouses who have no self-owned houses are required to deposit, and the provident fund can be used to pay the rent of low-rent housing and public rental housing by virtue of the lease contract, or the rent of commercial housing within a specified amount. Low-income families with difficulties can use the provident fund to pay property fees. Under the premise of ensuring authenticity, we can also draw the provident fund within the specified amount for housing decoration and renovation with formal contracts. These measures are the first in our province and will effectively expand the benefits of housing provident fund in our province.

In addition, the Notice also allows families who buy houses in different places within the province to apply for loans with the housing provident fund of the deposit place. Cities and counties should realize mutual recognition and transfer of deposits in different places. The Notice requires that the whole loan process should not exceed 15 working days, which is half a month faster than before. For employees who purchase ordinary commodity housing for the first time with provident fund loans, the loan amount may be appropriately increased and the loan term may be relaxed. The "Notice" also cancelled the housing provident fund, personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee and other charging items.

deposit must be in the same city and proportion

put an end to it? Invisible benefits? Solve? Unfair distribution?

The current Regulations on the Management of Housing Provident Fund stipulates that the individual contribution ratio is 5% to 12%, and the unit will make up 1:1. Due to the difference in personal income level and implementation ratio, there are huge differences in the amount of deposits for employees in different industries. According to the statistics of a city in the middle of our province, in the power and finance industries in this city, the average monthly contribution of individuals reaches 666 yuan, and the provident fund has almost become the invisible welfare of employees, while in the catering and labor services industries in this city, the minimum monthly contribution of individuals is only 75.6 yuan, which is 88 times different.

This situation is obviously unfair. Therefore, it is clearly stipulated in the Notice that the deposit base of housing provident fund shall be approved according to the statistical items of total wages stipulated by the National Bureau of Statistics, and shall not be higher than three times the average wage of employees in the cities with districts in the previous year and shall not be lower than the minimum wage standard in the cities with districts in the previous year. The deposit ratio is still 5% to 12%, but it is proposed for the first time that cities with districts with low deposit ratio should gradually increase the deposit ratio, and cities with the same district should implement the same deposit ratio, and it is forbidden for all units to deposit housing provident fund beyond the deposit base and proportion to prevent further deposit of provident fund? A big difference? The phenomenon.

As for the behaviors of non-payment, underpayment and unpaid provident fund, the Notice requires exploring the establishment of a negative list system for exposure.

Benefiting migrant workers

Urbanization is expected to make a big step forward

Migrant workers who work in cities should enjoy welfare benefits such as housing accumulation fund. However, due to the influence of urban-rural dual structure, migrant workers can't get the same treatment as urban residents in welfare.

The Notice issued by our province this time requires the implementation of the Regulations on Collective Contracts in Hubei Province, and the expansion of the deposit of non-public enterprises. The more important change is the timely inclusion of labor dispatch personnel and migrant workers with stable jobs in cities into the deposit scope of housing provident fund.

This change has played a great role. According to the data of the Ministry of Human Resources and Social Security, by the end of the year, there were 269 million migrant workers in China, including 166 million migrant workers. Migrant workers have to solve the housing problem when they settle down in cities and towns. The provident fund system provides a channel for migrant workers to buy houses.

It is worth noting that the urbanization rate in our province is increased by about 1 percentage point every year, which means that about 6, migrant workers settle down in cities and towns every year. The provident fund system will include migrant workers who have stable jobs in cities in time, which will undoubtedly give a shot in the arm for the urbanization process.