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Financial difficulties of enterprises can be postponed.
The notice pointed out that during the epidemic period (referring to the service outside the counter of the center from June 20438 to October 2020 10, the same below), the wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism and other industries were allowed to postpone the deposit. , the greater the impact, there are temporarily difficult deposit units and individuals. After the end of the epidemic (referring to the center's resumption of the external service of the center counter according to the instructions of the superior, the same below), if it is paid in time within 3 months (excluding the month when the center counter resumed the external service, the same below), the housing provident fund of the depositor and the voluntary depositor shall be regarded as continuous payment.
Enterprises with financial difficulties can reduce the proportion of housing provident fund deposit by themselves, with a minimum of not less than 5%; Enterprises that are affected by the epidemic and have difficulties in production and operation may apply for reducing the deposit ratio of housing provident fund or suspending the deposit of housing provident fund with reference to the provisions on printing and distributing the Notice.
Employees with provident fund loans: repayment within 3 months after the end of the epidemic is not a breach of contract.
In order to protect the rights and interests of employees, employees who apply for housing provident fund loans can apply for housing provident fund loans normally before the outbreak. If employees and units voluntarily deposit housing provident fund normally and pay it in full and on time within 3 months after the outbreak, it will be regarded as continuous deposit; Apply for housing provident fund loans to buy second-hand houses, and if the bidding time is affected by the epidemic, you can apply and submit it to the center for approval, and you can relax the age limit of the purchased second-hand houses as appropriate.
For employees who use housing provident fund loans to repay, if the housing provident fund loans are not returned in time during the epidemic, they will be returned in full within 3 months after the end of the epidemic, which is not regarded as malicious overdue and breach of contract litigation; The housing provident fund loan in the portfolio loan shall be handled according to the above standards, but the employees who repay the loan still need to abide by other provisions of the loan issuing bank; If it is difficult to repay the housing provident fund loan due to hospitalization or isolation due to virus infection, isolation observation for epidemic prevention and control, participation in epidemic prevention and control, and temporary loss of economic income due to the epidemic, relevant certificates shall be provided, and the repayment period or repayment period may be appropriately extended after approval by the center.
During the epidemic prevention and control period, if the employee withdraws the housing provident fund for a period of time, it can be postponed to three months after the end of the epidemic (excluding the month when the epidemic ends); For employees who are under great pressure to pay rent and employees who voluntarily pay rent, if they apply for rent payment and withdrawal in 2020, the annual withdrawal ceiling of housing provident fund for married employees' families and single employees will be raised to 1.8 million yuan and 1.2 million yuan respectively, and the insufficient part will not be replenished when applying for withdrawal in future years.
The provident fund management center reminds the general public to handle the housing provident fund business through online channels or reasonable arrangements. After the on-site business starts, try to avoid gathering in the central business hall and bank agency outlets for on-site business in the short term.