The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions (hereinafter referred to as units) and their employees. Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees. Article 4 The management of housing provident fund shall follow the principles of decision-making by the Housing Commission, operation of the housing provident fund management center, special account storage and financial supervision. Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes. Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council. Seventh the State Council municipal construction administrative departments in conjunction with the the State Council municipal finance department, the people's Bank of China to develop housing provident fund policy, and supervise the implementation.
The construction administrative departments of the people's governments of provinces and autonomous regions shall be responsible for guiding the management of housing provident fund within their respective administrative areas. Chapter II Institutions and Their Duties Article 8 The cities where the people's governments of municipalities directly under the Central Government, provinces and autonomous regions are located and other cities divided into districts shall set up housing committees composed of heads of people's governments, heads of relevant departments such as finance and construction, representatives of trade unions and experts as decision-making bodies for housing provident fund management. Article 9 The Housing Authority shall perform the following duties in the management of housing provident fund:
(a) according to the relevant laws, regulations and policies, formulate and adjust the specific management measures of housing provident fund, and supervise the implementation;
(two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund;
(three) to determine the maximum loan amount of housing provident fund;
(four) approval of housing provident fund collection and use plan;
(five) to review and approve the report on the implementation of the plan for the collection and use of housing provident fund. Article 10 The cities where the people's governments of municipalities directly under the central government, provinces and autonomous regions are located and other cities divided into districts shall set up housing provident fund management centers in accordance with the principle of simplification and efficiency, and be responsible for the management and operation of housing provident fund.
County (city) does not set up housing provident fund management center in principle; If it is really necessary to be established, it shall be reported to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval.
The housing provident fund management center is an independent institution that is not for profit. Eleventh housing provident fund management center shall perform the following duties:
(a) the preparation and implementation of housing provident fund collection and use plan;
(two) responsible for recording the deposit, withdrawal and use of employee housing provident fund;
(three) responsible for the accounting of housing provident fund;
(four) to approve the extraction and use of housing provident fund;
(five) responsible for the preservation and return of housing provident fund;
(six) the preparation of housing provident fund collection and use plan implementation report;
(seven) to undertake other matters decided by the Housing Authority. Twelfth housing provident fund management center shall, in accordance with the relevant provisions of the People's Bank of China, entrust the banks designated by the Housing Commission (hereinafter referred to as the entrusted banks) to handle the housing provident fund loans and settlement, the establishment, deposit and return of housing provident fund accounts and other financial services.
The housing provident fund management center shall sign an entrustment contract with the entrusted bank. Chapter III Deposit Article 13 The housing provident fund management center shall set up a special account for housing provident fund in the entrusted bank.
The unit shall go to the housing provident fund management center for the registration of housing provident fund deposit, and after being audited by the housing provident fund management center, set up a housing provident fund account for its employees at the entrusted bank. Each employee can only have one housing provident fund account.
The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund. Fourteenth newly established units shall, within 30 days from the date of establishment, go to the housing provident fund management center for registration of housing provident fund deposit, and within 20 days from the date of registration, set up housing provident fund accounts for their employees at the entrusted bank.
In case of merger, division, cancellation, dissolution, bankruptcy, etc., the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center to handle the change or cancellation of registration, and within 20 days from the date of completing the change or cancellation of registration, go to the entrusted bank to handle the transfer or sealing of the housing provident fund account for the employees of the unit with the audit documents of the housing provident fund management center. Fifteenth units to hire employees, should be within 30 days from the date of employment to the housing provident fund management center for deposit registration, and with the housing provident fund management center audit documents, to the entrusted bank for the establishment or transfer of employee housing provident fund accounts.
Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.