Legal analysis: 1. Individuals bring their valid identity documents and other materials to the local housing provident fund management center to apply for opening an account, and fill in the application form as required. ?
2. After accepting the application, the teller of first instance will review the application according to the forms and materials submitted by the applicant.
3. After the approval, the teller of first instance will register and enter the personal account opening information in the provident fund software system.
4, and then by the review teller for review.
5. After the approval, the teller in the first instance will print the personal account receipt and submit it to the person in charge of the unit for verification. After verification, the first-instance teller will sign for confirmation. The teller in the first instance stamped the official seal on the receipt to complete the account opening.
Legal basis: Article 12 of the Regulations on the Management of Housing Provident Fund, the Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate commercial banks entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted banks); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.
What materials are needed for housing provident fund loans?
1. House Purchase and Sales Contract (2 originals and copies)
2. Property ownership certificate after transfer (1 original, 1 copy)
3. Appraisal report on house transfer (original 1 copy)
4. Down payment voucher (1 original and 1 copy)
How to open an account for provident fund
Personal account holders need to bring the originals and copies of the following materials to the bank to apply for opening a personal housing provident fund account: ID card; Proof of payment of endowment insurance or income tax in the previous year;
Employment registration certificate (registered as unemployed); Personal savings account passbook or bank card of the bank (to be provided by the monthly debitor).
There are two ways to deposit the provident fund: one is bank withholding, where the depositor deposits the monthly housing provident fund into the personal savings account of the bank before the specified time, and the bank automatically transfers it every month. The transfer time is 10, and the 25th of each month.
2. Cash deposit: The depositor can deposit the housing provident fund for one provident fund year at a time by handling the deposit business at the bank counter.
According to the Notice on the Development of Housing Provident Fund Personal Housing Loan Business, employees who have paid the housing provident fund in full for more than 6 months can apply for housing provident fund personal housing loans.
In practice, different cities have different conditions, so there are actually some differences in how long it takes to deposit provident fund loans to buy a house. Some cities require at least 12 months.
For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place. Most cities have stipulated the maximum amount of a single housing provident fund loan (please consult the relevant local departments for details).
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Online application process of personal provident fund account opening
Find the local housing provident fund network, select official website to enter, and click on the page to enter the housing provident fund online business system; You need to register for the first time. Click Register to enter the registration page. Enter the user code, login password and confirm the password; Enter the email address and verification code, and click OK; Shows that the registration was successful.
Opening a provident fund account requires the company's business license, the original and photocopy of the legal representative's ID card, the original and photocopy of the agent's ID card, and the unit registration form uniformly printed by the housing provident fund management center. Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers, using the housing provident fund paid by employees of the unit, and entrusting commercial banks to pay housing provident fund to on-the-job employees and retired employees who paid housing provident fund during their employment.
According to Article 13 of the Regulations on the Management of Housing Provident Fund, enterprises must pay housing provident fund for regular employees. If the unit does not handle the registration of housing provident fund deposit for its employees or the establishment of housing provident fund accounts, the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed.