The premise of housing provident fund loans is that individual urban workers and their units must continuously pay housing provident fund for one year. When applying for individual housing provident fund loans, urban workers shall submit the following materials:
Personal data: 4 copies of the identity certificate of the individual (hereinafter referred to as the borrower) applying for the loan and the relevant identity certificate of the spouse (ID card or other valid documents); Four copies of the borrower's marriage certificate (single certificate, marriage certificate, divorce certificate or divorce judgment, and the widowed person must provide the death certificate of the other party); 4 copies of valid vouchers for payment of house purchase price; 4 copies of the income certificates of the borrower and spouse respectively; 4 originals of legal house purchase contract; And the seal of the borrower and his spouse. In addition, the borrower's housing provident fund deposit certificate is required. Be sure to bring the originals and corresponding copies of these materials.
Housing construction and review materials: pre-sale (sales) permit of commercial housing or approval of housing reform; Construction project planning permit; Construction permit for construction project; Construction land planning permit; State-owned land use certificate; View floor plan and floor plan.
Buyers who meet the conditions of housing provident fund loans can apply for provident fund loans at the entrusted banks and handling outlets, or at the nearest provident fund management center or sub-center and management department.
First of all, we should ask the developer about the project mortgage bank, and ask whether the "five certificates" of the real estate are complete and whether we can provide relevant procedures for ourselves. If developers do not provide property buyers with "five certificates", it is impossible to apply for provident fund loans.
Within the statutory retirement age, the longest loan period is 30 years; The maximum loan amount is not more than 600,000 yuan, and if the loan amount is less than 600,000 yuan, the borrower can directly apply to the entrusted bank, and the loan amount of 500,000-600,000 yuan must be approved by the housing provident fund management center.
Housing accumulation fund refers to state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises and urban private enterprises.
Long-term housing savings paid by enterprises and other urban enterprises, institutions and their employees.
The definition of this housing provident fund includes the following five aspects:
(1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed residents in cities and towns do not implement housing surplus.
Gold system, retired workers do not implement the housing provident fund system.
(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee.
Personal deposit, the employee's personal deposit is withheld by the unit and paid to the housing enterprise together with the unit deposit.
Personal account of MPF.
(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must
Uninterrupted deposit according to the regulations, except for retired employees or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund.
Form, shall not be suspended and interrupted. It embodies the stability, unity, standardization and compulsion of housing provident fund.
(five) the housing provident fund is a personal housing storage for employees to use for housing consumption expenditure in accordance with the regulations.
Gold has two characteristics: first, it is cumulative, that is, although housing provident fund is an integral part of employees' wages, it is not paid in cash and must be deposited in a special account opened by the housing provident fund management center in the entrusted bank.
Implement special account management. The second is specificity. The housing accumulation fund shall be earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when the employee retires, dies, completely loses the ability to work and terminates the labor relationship with the unit or moves out of the original city can the housing provident fund be withdrawn from the account.
According to the current regulations in our district, all enterprises should save this for their employees, whether state-owned or private.
year
Second, annual leave is a reward for your service to the company. Every year of service, 7 days of annual leave will be awarded. But some companies require working for several years before they can take annual leave.
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