The cooperation of housing provident fund in urban agglomerations in the middle reaches of the Yangtze River began on 20 14. With the close cooperation between cities, the breadth and depth of cooperation are expanding: the "circle of friends" has developed from the previous four provincial capital cities to 20 cities today; The business scope is getting wider and wider, from the previous mutual recognition of deposits in different places to today's mutual recognition and loan, transfer interconnection and information verification and sharing.
Tao Jin, deputy director of the Housing and Construction Department of Hubei Province, said that the cooperation of mutual recognition and mutual loan of housing provident fund between cities has highlighted the housing security function of the housing provident fund system, complied with the demand of orderly and free flow of talents and other factors, promoted the efficient allocation of resources in real estate and other industries and the deep integration of markets, and effectively promoted the rapid development of regional economy in urban agglomerations in the middle reaches of the Yangtze River.
In recent years, provident fund cooperation between provinces and cities is not uncommon. On August 20th, the Housing and Construction Departments of Shanghai, Zhejiang, Jiangsu and Anhui provinces signed the Framework Agreement on Strategic Cooperation of Housing Provident Fund Integration in the Yangtze River Delta, and the provident fund management departments of the three provinces and one city will take the lead in cooperation from nine aspects, such as cross-regional housing purchase information survey in the Yangtze River Delta, mutual recognition of loan certification information in different places in the Yangtze River Delta, and unified business policies for housing purchase in the Yangtze River Delta eco-green integration development demonstration zone.
In addition to mutual recognition of information, in August this year, Ningbo also proposed that social insurance paid in Shanghai, Zhejiang, Jiangsu and Anhui provinces and one city can be included in the payment period of this city when applying to settle in Ningbo. In September this year, Chengdu and Panzhihua signed an agreement to form mutual recognition and loan of housing provident fund.
In April this year, according to the memorandum of cooperation signed by the housing and construction departments of Sichuan and Chongqing, the two sides will promote the establishment of seven mechanisms including mutual recognition and mutual loans, promote the integrated development of provident funds in the two places, and cooperate in four aspects, including administrative law enforcement linkage, to promote the formation of a judicial linkage mechanism for law enforcement in the field of housing provident funds in the two places. On September 28th, the Housing Provident Fund Management (Service) Center in Sichuan and Chongqing and its subordinate institutions set up a green channel for the integration of housing provident funds in Sichuan and Chongqing. The relevant person in charge said that this is a concrete practice to create a standardized service window for the integrated development of housing provident fund, which will further enhance the satisfaction and experience of paid employees.
On February 30th, 20 19, 19, Guangdong-Hong Kong-Macao Greater Bay Area Housing Provident Fund Information Sharing Platform was launched. The use of housing provident fund in different places in Greater Bay Area no longer needs to provide the deposit certificate of the original place, which can be completed at one time. Just a few minutes, you can go through the formalities of transferring Foshan's provident fund to Guangzhou Provident Fund Center.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that after the establishment of cross-regional transfer, mutual recognition and mutual loan of provident fund, it was impossible for people working in other places to buy a house in the place where they registered.
People in the industry generally believe that the cooperation of provident funds in different places, especially mutual recognition and loan of provident funds, is of great significance to the coordinated development of cities in urban agglomerations, facilitating the people and benefiting the people, and is conducive to promoting the flow of talents between cities and the development of regional integration.
However, it should be reminded that paying the provident fund somewhere in the urban agglomeration does not mean that you are qualified to buy a house in other cities in the urban agglomeration. In addition to mutual recognition and mutual loans, buyers who want to use the provident fund across regions must first have the qualifications for purchasing houses in their cities.