Article 1 In order to further improve the administration of housing provident fund withdrawal, these Measures are formulated in accordance with the Regulations on the Administration of Housing Provident Fund and relevant policies and regulations, and in combination with the actual situation of this Municipality.
Article 2 These Measures shall apply to the extraction and management of employees who have paid housing provident fund in Deyang Housing Provident Fund Management Center (hereinafter referred to as employees).
Article 3 Deyang City Housing Provident Fund Management Committee (hereinafter referred to as the Management Committee) shall, in accordance with relevant laws, regulations and policies, formulate and adjust specific management measures for housing provident fund withdrawal, and supervise the implementation.
Article 4 Deyang City Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center) is the city's housing provident fund withdrawal management institution, which is responsible for examining and approving employees' housing provident fund withdrawal applications, recording the withdrawal of housing provident fund, preventing and investigating illegal withdrawal behaviors, and undertaking other duties as stipulated by the state, province and city.
Chapter II Extraction Scope
Article 5 Under any of the following circumstances, employees may apply for withdrawing the balance of the housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(two) to repay the principal and interest of the owner-occupied housing loan;
(3) Houseless employees in the deposit area rent houses for self-occupation;
(four) within the administrative area of this Municipality, invest in installing elevators for existing houses with ownership;
(five) employees or spouses, parents and children suffering from major diseases;
(six) employees or spouses, parents, children suffered from sudden major natural disasters or traffic accidents (no fault), resulting in serious difficulties in family life;
(seven) is included in the minimum living guarantee of city residents;
(8) retirees;
(nine) completely lose the ability to work, and terminate the labor relationship with the unit;
(ten) have left the country to settle down;
(eleven) the termination of labor relations with the unit for two years has not been re employed;
(twelve) the termination of labor relations between employees and units that are not registered in this Municipality, and the deposit in different places has not been renewed, and the account has been sealed for half a year;
(thirteen) dead or declared dead (by the legal heir or legatee of the employee to apply);
(fourteen) other circumstances stipulated by the state, province and city.
Article 6 If an employee withdraws the housing provident fund according to items (1), (2), (3), (4), (5), (6) and (7) of Article 5 of these Measures, his spouse may also apply for withdrawing the balance in the housing provident fund account.
Article 7 Where an employee withdraws the housing provident fund in accordance with Items (8), (9), (10), (11), (12) and (13) of Article 5 of these Measures, he shall withdraw the balance of the employee housing provident fund account at one time and cancel the employee housing provident fund account at the same time.
Chapter III Extraction Conditions
Eighth employees and their spouses have outstanding housing provident fund loans in the provident fund center, and the balance of their housing provident fund should be used to repay the housing provident fund loans.
Article 9 If employees and their spouses purchase, build, renovate or overhaul their own houses, repay the principal and interest of loans for their own houses and rent their own houses within a natural year, they can only choose one house to apply for housing accumulation fund for one of the housing consumption behaviors.
Tenth employees and their spouses have housing consumption behavior, when applying for housing provident fund, the housing address should be consistent with the domicile of the employees or their spouses or the place where the provident fund is paid. The address of the house is in the administrative areas of Chengdu, Deyang, Meishan and Ziyang, except for repayment of off-site provident fund loans.
Eleventh employees and their spouses who purchase self-occupied housing and apply for housing provident fund mortgage loans (including portfolio loans) may not apply for withdrawal of housing provident fund to pay the down payment for this housing.
Twelfth employees and their spouses currently own two or more houses, and may not apply for the third or more housing consumption extraction business.
Thirteenth employees and their spouses, parents and children ××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××
Fourteenth employees and their spouses have rented a house for self-occupation and applied for withdrawal of housing provident fund. Housing provident fund should be paid in full for more than 3 consecutive months (inclusive).
Fifteenth employees and their spouses to buy the same property owner-occupied housing twice (inclusive), can only withdraw a housing provident fund, not multiple withdrawals.
Chapter IV Extraction Frequency and Quota
Article 16 Anyone who applies for withdrawal of housing provident fund from the purchase of commercial housing shall apply for withdrawal within one year from the date of registration of the purchase contract. The withdrawal amount of full house purchase shall not exceed the total house price of the registered contract, and the withdrawal amount of mortgage loan house purchase shall not exceed the balance of the total house price of the registered contract minus the mortgage loan amount, and shall not exceed the balance of the employee and spouse housing provident fund account at the time of application.
Article 17. Those who purchase re-traded housing and apply for withdrawal of housing provident fund shall apply for withdrawal within one year after obtaining the certificate of immovable property rights. Workers who purchase the re-traded housing and have other transaction records in the past year shall apply for the withdrawal of housing provident fund within one year after obtaining the set of re-traded housing immovable property certificate for one year. The withdrawal amount of full house purchase shall not exceed the total deed tax payment, the withdrawal amount of mortgage loan house purchase shall not exceed the balance of the total deed tax payment MINUS the mortgage loan amount, and shall not exceed the balance of the employee and spouse housing provident fund account at the time of application.
Eighteenth the purchase of policy housing to apply for the withdrawal of housing provident fund, should apply for withdrawal within one year after obtaining the purchase bill. The withdrawal amount is approved according to the building approval form, and does not exceed the amount of the house purchase bill, and does not exceed the balance of the employee and spouse housing provident fund account at the time of application.
Nineteenth the purchase of resettlement housing to apply for the withdrawal of housing provident fund, should be obtained within one year after the purchase bill to apply for withdrawal. The withdrawal amount shall be approved according to the purchase contract and the demolition agreement, and shall not exceed the supplementary amount, and shall not exceed the balance of the employee's and spouse's housing provident fund account at the time of application.
Twentieth construction, renovation, overhaul of self-occupied housing to apply for the withdrawal of housing provident fund, it shall apply for withdrawal within one year after the approval documents are complete. The withdrawal amount shall not exceed the actual expenditure and the balance in the employee's and spouse's housing provident fund account at the time of application.
Twenty-first to repay the principal and interest of owner-occupied housing loans and apply for withdrawal of housing provident fund, you can apply for monthly or annual withdrawal, and the monthly withdrawal amount shall not exceed the repayment amount of the month, and shall not exceed the balance of the employee and spouse housing provident fund account at the time of application; The annual withdrawal amount shall not exceed the repayment amount of the current year, and shall not exceed the balance of the employee and spouse housing provident fund account at the time of application.
During the repayment period, employees who prepay or settle the principal and interest of housing loans in advance may apply for withdrawal once within one year after partial repayment or early settlement of the principal and interest of housing loans. The withdrawal amount shall not exceed the prepayment amount and the balance of the employee's and spouse's housing provident fund account at the time of application.
Workers can sign an agreement with the provident fund center to handle the monthly fixed withdrawal of mortgage loans for self-occupied housing.
Twenty-second rental housing to apply for the withdrawal of housing provident fund, you can apply for monthly or annual withdrawal, the monthly withdrawal amount does not exceed the monthly rent withdrawal limit stipulated by this Municipality, and does not exceed the balance of the employee and spouse housing provident fund account at the time of application; The annual withdrawal amount shall not exceed the annual rent withdrawal limit stipulated by this Municipality, and shall not exceed the balance of employee and spouse housing provident fund account at the time of application.
Twenty-third in the administrative area of the city to invest in the construction of existing residential elevator owners to apply for the withdrawal of housing provident fund, can apply for withdrawal within two years after the completion of the project acceptance. The withdrawal amount shall not exceed the actual payment expenses incurred by the newly added elevator (excluding the later operating expenses), and shall not exceed the balance of the employee's and spouse's housing provident fund account at the time of application.
Twenty-fourth employees or spouses and parents, children * * * with the purchase of the same property rights of self-occupied housing, housing has been clearly defined by the share of extraction, there is no clear provision for the average extraction of shares.
Twenty-fifth suffering from major diseases, major natural disasters or traffic accidents (no-fault party) to apply for the withdrawal of housing provident fund, should apply for a withdrawal within one year after the settlement. Suffering from serious illness, the withdrawal amount shall not exceed the actual medical expenses (excluding medical insurance payment), and shall not exceed the balance in the employee's and spouse's housing provident fund account at the time of application. In the event of a major natural disaster or traffic accident, the withdrawal amount shall not exceed the actual cost of handling the disaster accident (after deducting the compensation amount), and shall not exceed the balance in the employee's and spouse's housing provident fund account at the time of application.
Twenty-sixth in accordance with the provisions of the fifth paragraph (seven) of these measures to apply for the withdrawal of housing provident fund, which is included in the scope of the minimum living guarantee in this Municipality, you can apply for withdrawal once a year. The withdrawal amount shall not exceed the balance of the employee and spouse housing provident fund account at the time of application.
Chapter V Extraction of Materials
Article 27 With the authorization of employees, the provident fund center can verify the application information of employees' withdrawal business through the way of inter-departmental information interconnection, without the need for employees to provide relevant materials; If it cannot be verified, the employee shall make a commitment to the authenticity and validity of the materials provided, and the provident fund center shall record this commitment. Provident fund center found false promises, should be dealt with according to the relevant provisions of the illegal extraction behavior.
Twenty-eighth employees to apply for the withdrawal of housing provident fund, should provide employee ID card, my bank savings account and the required business certification materials.
In accordance with the provisions of items (1), (2), (3) and (4) of Article 5 of these Measures, when applying for withdrawal of housing provident fund, the applicant shall also provide proof of marriage relationship.
In line with Item (1) and Item (2) of Article 5 of these Measures, if this house applies for housing provident fund for the first time, it shall also provide the property inquiry records of the location of this house and the location where employees and spouses pay the provident fund. If the address of the purchased house is outside the administrative areas of Chengdu, Deyang, Meishan and ziyang, the household registration certificate or provident fund deposit certificate of the employee or spouse shall also be provided (except for repayment of provident fund loans in different places).
Employees or spouses who purchase self-occupied housing should also provide proof of the relationship with their parents and children; Non-employees suffering from major diseases, major natural disasters or traffic accidents shall also provide proof of the relationship between employees and the parties.
When employees entrust others to handle the withdrawal business, they should also provide the identity cards and power of attorney of employees and trustees.
Twenty-ninth purchase of owner-occupied housing to withdraw housing provident fund, should provide the following business certification materials:
(a) the purchase of commercial housing: the purchase contract and the official bill of the purchase price filed by the real estate administrative department where the purchase is located.
(2) Purchase of re-traded houses: tax payment certificate and real estate ownership certificate issued by the tax authorities.
(three) the purchase of policy housing: to provide the approval documents, approval forms and official bills of the purchase price of the policy housing management department.
(four) the purchase of resettlement houses: compensation and resettlement contracts or agreements for house demolition, demolition approval documents, demolition personnel list, formal purchase bills.
If the purchased house has been mortgaged to the mortgage bank, the personal credit report of the main lender showing the loan information of the house or the loan (loan) contract of the house shall also be provided.
Thirtieth construction, renovation, overhaul occupied housing to withdraw housing provident fund, should provide the following business certification materials:
(1) Construction of self-occupied housing: the approval document issued by the administrative department of planning and construction, and the official bill for paying the house price or purchasing building materials.
(2) Decoration of self-occupied housing: the original house ownership certificate (or original house immovable property certificate), the approval document of the planning and construction administrative department for the renovation of the old house, and the official bill for paying the house price or purchasing building materials.
(3) Overhaul of owner-occupied houses: the ownership certificate (or immovable property certificate), the house safety appraisal report issued by the certification and appraisal institution of the municipal house maintenance management department, and the official bills for paying maintenance fees or purchasing building materials.
Thirty-first to repay the principal and interest of the owner-occupied housing loan and withdraw the housing provident fund, the housing loan (loan) contract and the loan repayment certificate issued by the bank shall be provided. If part or all of the housing loan is repaid in advance, the current repayment certificate issued by the loan issuing bank shall also be provided.
Thirty-second employees without housing rental housing provident fund, it shall provide proof of no housing issued by the real estate department of the employee and his spouse housing provident fund deposit.
Article 33 If employees install elevators on existing houses to withdraw housing accumulation fund, they shall provide the house ownership certificate (or immovable property certificate), the agreement for installing elevators, the registration certificate for elevator use, and official bills for actually paying elevator fees.
Article 34 If employees or their spouses, parents and children suffer from major diseases recognized by the provincial medical insurance management department and withdraw the housing provident fund, they should provide the diagnosis certificate of the designated medical insurance hospital or the second-class hospital above Grade A, the payment certificate of medical expenses within one year and the payment certificate of medical insurance.
Article 35 If an employee, spouse, parent or child encounters a sudden major natural disaster or traffic accident (no-fault party), causing serious difficulties in family life and withdrawing the housing accumulation fund, it shall provide a certificate of handling the disaster accident by the relevant unit (including the estimated amount of losses caused by the disaster and photos of the accident site).
Thirty-sixth residents who are included in the minimum living guarantee scope of urban residents in this Municipality shall provide the minimum living guarantee certificate issued by the civil affairs department (the bank receipt list shall be provided on behalf of the bank).
Thirty-seventh employees who have not reached the statutory retirement age shall provide retirement certificates or retirement documents when withdrawing housing provident fund.
Thirty-eighth workers completely lose their ability to work, and terminate their labor relations with the unit to withdraw housing provident fund, they should provide the labor ability appraisal certificate issued by the hospital at or above the county level or the human resources and social security department.
Thirty-ninth employees who leave the country to settle down and withdraw housing provident fund shall provide exit settlement visas or certificates of cancellation of household registration.
Fortieth in line with the provisions of Article 5 (12) of these Measures, the applicant shall provide his household registration certificate.
Article 41 If an employee dies or is declared dead, and the heir (legatee) withdraws the housing accumulation fund, it shall provide the first-class bank savings account of the heir (legatee), the certificate of the employee's death or being declared dead, the identity certificate of the heir (legatee), and the notarial certificate of the notary department on the right of inheritance or bequest. If there is a dispute over the right of inheritance or bequest, an effective judgment, ruling or conciliation statement made by the people's court shall also be provided. If the balance of the employee housing provident fund account is less than 3,000 yuan, notarization is not required, and the heir or legatee will issue a written undertaking in person, sign it and confirm it by fingerprint.
Chapter VI Extraction, Examination and Methods
Forty-second provident fund center shall, within 3 working days from the date of accepting the employee's application, make a decision on whether to approve or disapprove the withdrawal; If the withdrawal is not approved after examination, the reasons shall be informed. The time required to investigate and verify the employee's behavior and the authenticity of the certification materials from the real estate center, civil affairs, taxation and other relevant departments is not counted in the above three working days.
Forty-third provident fund center should actively promote the whole process of online withdrawal business, unified online and offline withdrawal business application and audit standards.
Chapter VII Handling of Illegal Exploitation
Forty-fourth the following acts belong to illegal extraction:
(a) the use of false identity information to extract housing provident fund;
(two) the use of fake marriage certificate to extract housing provident fund;
(three) the use of false purchase contracts, bank mortgage (loan) contracts, bank loan certificates and other housing provident fund;
(four) the use of false housing ownership certificates to extract housing provident fund;
(five) the use of false appraisal reports, disease diagnosis and other extraction of housing provident fund;
(six) the use of false bills to extract housing provident fund;
(seven) the use of false self-built housing approval materials to extract housing provident fund;
(eight) the use of false promises to withdraw housing provident fund;
(nine) to terminate the contract within one year and refuse to return it within the time specified by the provident fund center;
(ten) other illegal extraction behavior.
Forty-fifth provident fund center found that employees have illegal withdrawal behavior, according to the following provisions:
(1) The Provident Fund Center will record the employees who illegally withdraw the housing provident fund into the blacklist of personal bad records of the housing provident fund system, and the parties and their spouses shall not handle the provident fund withdrawal and loan business within five years, and submit their untrustworthy information to the credit management department according to the law and regulations, and implement joint punishment. Illegal extraction of party and government organs, institutions, state-owned and state-holding enterprises employees, submitted to the discipline inspection and supervision institutions of their units.
(two) the provident fund center ordered it to return the funds illegally extracted within a time limit, and if the employees illegally extracted did not return the funds illegally extracted within the specified time, the provident fund center took legal measures to recover the funds according to law.
(3) If an employee withdraws housing provident fund records twice or more in violation of regulations or refuses to return them after withdrawing housing provident fund in violation of regulations, the Provident Fund Center will expand the blacklist of bad records of employees and spouses.
Article 46 If the staff of a unit, an intermediary agency or an entrusted agent is suspected of altering, forging or using false certification materials to assist employees in illegally withdrawing money, it shall be handled in accordance with the relevant provisions on credit management of provident fund centers. Those suspected of violating the law and committing crimes shall be transferred to administrative organs and judicial organs for handling according to law.
Forty-seventh housing provident fund deposit units should publicize the "Regulations on the Management of Housing Provident Fund" and other laws and policies, and assist the provident fund center to carry out investigation and evidence collection and fund recovery work for violations.
Chapter VIII Supplementary Provisions
Article 48 The Provident Fund Center may, according to the national, provincial and municipal policies and the deposit, withdrawal and loan situation of the housing provident fund in this Municipality, put forward an adjustment plan for the withdrawal scope or conditions in these Provisions, which shall be audited by the Office of the Municipal Housing Provident Fund Management Committee and promulgated for implementation after being reported to the Municipal Housing Provident Fund Management Committee for approval.
Forty-ninth approach by Deyang City Housing Provident Fund Management Center is responsible for the interpretation of.
Fiftieth Deyang city housing provident fund management center can formulate implementation rules according to these measures.
Article 51 These Measures shall come into force as of May, 20265438 1 day, with a validity period of 5 years. The original Interim Measures for the Administration of the Extraction of Housing Provident Fund in Deyang City (No.3 [2019]) was abolished.