according to the regulations on the management of housing provident fund, the housing provident fund paid by individual employees shall be withheld and remitted from their wages by their employers every month. The unit shall remit the housing provident fund paid by the unit and remitted for employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.
employees who apply for housing provident fund loans must go to the service hall of the housing provident fund center by the applicant and their spouses themselves to apply and sign in person, and the staff in the service hall will handle the application according to the policies and business processes.
the housing provident fund management center does not charge any fees when accepting the personal housing loan of the applicant (the purchaser himself or his spouse), and the fees related to the mortgage registration and home purchase guarantee of the borrower are charged by the real estate transaction management department and the guarantee company according to the regulations.
Regulations on Housing Provident Fund Management
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 register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for its employees. Each employee can only have one housing provident fund account.
the housing provident fund management center shall establish a detailed account of employees' housing provident fund to record the deposit and withdrawal of employees' individual housing provident fund.
Article 14 A newly established unit shall register the housing provident fund deposit with the housing provident fund management center within 3 days from the date of establishment, and go through the formalities of setting up housing provident fund accounts for its employees within 2 days from the date of registration.
in case of merger, division, cancellation, dissolution or bankruptcy of a unit, the original unit or liquidation organization shall, within 3 days from the date of the above-mentioned situation, handle the registration of change or cancellation with the housing provident fund management center, and handle the transfer or sealing procedures for the employees of the unit within 2 days from the date of completing the registration of change or cancellation.
Article 15 Where a unit employs employees, it shall go through the deposit registration with the housing provident fund management center within 3 days from the date of employment, and go through the formalities for the establishment or transfer of employee housing provident fund accounts.
if the unit terminates the labor relationship with the employee, the unit shall handle the change registration with the housing provident fund management center within 3 days from the date of termination of the labor relationship, and handle the transfer or sealing procedures of the employee housing provident fund account.