Foreigners can also deposit the provident fund in the economy and transfer it to the same city, and handle it directly in the bank.
In the new deposit rules, the scope of deposit personnel has been expanded, and foreigners who have obtained the Permanent Residence Permit for Foreigners and on-the-job military civilian personnel who meet the conditions for deposit of provident fund should pay the housing provident fund. At the same time, the filing system for the handling personnel of deposit units shall be implemented. Units should be responsible for housing provident fund deposit and other related businesses. The provident fund manager shall register in the provident fund center to ensure the stability of the manager, improve the service level of using and depositing the housing provident fund for the employees of the unit, and earnestly safeguard the rights and interests of the employees' housing provident fund. Prior to this, there was no record manager.
The transfer of provident fund in the same city can be handled directly in the bank. After the system upgrade, the information integration of housing provident fund deposit units has been realized, and employees no longer need to go to the provident fund center for approval when transferring housing provident fund within the administrative area of Jinan City. "In the future, within the jurisdiction of Jinan, if the employee's work unit changes, it will bring about the transfer of the city's provident fund. When you transfer money, you can go directly to the bank. " The person in charge said.
There are provident fund loans that have not been paid off, and only the actual repayment amount can be withdrawn every year.
One of the most important changes in the new regulations on provident fund withdrawal is that if the provident fund loan is not paid off after the purchase, the balance in the housing provident fund will no longer be withdrawn at one time. The new method stipulates that the housing provident fund of borrowers and their spouses, co-borrower and their spouses who have applied for housing provident fund loans or housing provident fund and commercial bank portfolio loans (hereinafter referred to as portfolio loans) in this city can only be used to repay the principal and interest of housing provident fund loans (including commercial loans with portfolio loans) in priority, and cannot be withdrawn for other non-cancellation reasons before the housing provident fund loans and portfolio loans are paid off.
"In the past, as long as you bought a house, you can withdraw all the balance of the provident fund at one time, without restrictions; If you have a loan now, you can withdraw the housing provident fund after one year of repayment of principal and interest according to the loan contract. The time interval between two withdrawals is not less than 12 months, and the amount of each withdrawal cannot exceed the actual repayment amount. " The person in charge explained.
The purchase, renovation and extraction of owner-occupied housing should be within three years.
"Employees who purchase, build or renovate their own houses can withdraw the storage balance of housing provident fund at one time within three years after obtaining valid vouchers and supporting materials, and the total amount of withdrawal shall not exceed the actual expenditure of purchasing, building, renovating or overhauling their own houses. A house can only be withdrawn once." The person in charge said that there was no time limit before this.
Regarding entrusting others to do the extraction, the new regulations require more detailed materials. Previously, only the power of attorney and the agent's ID card were required. Now it is necessary to issue the power of attorney of the extractor, the original and photocopy of the agent's ID card, the original and photocopy of the applicant's ID card and relevant supporting materials. To withdraw the provident fund according to the conditions of death or being declared dead, it is necessary to provide the original and photocopy of the ID card of the heir or legatee, the death certificate and photocopy issued by the hospital, the public security department or the judicial department, and the inheritance certificate notarized by the notary department.
The new rules will be implemented on 20 13 10 1. The new collection management information system will be put into operation on 20 13 10 1. During the online conversion of the new system (September 22nd-65438+1October 6th), the deposit, withdrawal and account transfer of housing provident fund will be suspended in all deposit banks and provident fund approval service halls.
(The above answers were published on 20 13-09-05. Please refer to the actual situation for the current purchase policy. )
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