First, the provident fund deposit management
Huaibei City Provident Fund Management Center is responsible for the supervision and management of the city's provident fund deposit. Ensure that all enterprises and institutions pay the provident fund in full and on time in accordance with the prescribed deposit ratio and base, and protect the rights and interests of employees. At the same time, the center is also responsible for handling all kinds of problems and disputes in the process of deposit to ensure the fairness, transparency and effectiveness of the deposit of provident fund.
Second, the provident fund withdrawal service
Huaibei Provident Fund Management Center provides employees with provident fund withdrawal services. Employees who meet the extraction conditions may apply to the center to extract the provident fund according to the prescribed procedures. The center will review the withdrawal procedures according to the applicant's situation and the purpose of withdrawal to ensure the rational use of the provident fund.
Third, provident fund loan business
Huaibei Provident Fund Management Center is also responsible for the management and approval of provident fund loan business. Employees can apply for provident fund loans when they buy a house and repay their mortgage. The center will evaluate the applicant's credit status and repayment ability to ensure the safety and compliance of the loan. At the same time, the center also provides loan consultation, repayment guidance and other services to help employees make better use of provident fund loans to improve their living conditions.
Four. Publicity and consultation of provident fund
In order to improve employees' knowledge and understanding of provident fund, Huaibei Provident Fund Management Center actively carried out publicity activities on provident fund, popularizing knowledge of provident fund policies, deposit regulations and withdrawal conditions. At the same time, the center also set up a hotline to answer questions about provident fund for employees at any time and provide convenient services.
To sum up:
Huaibei City Provident Fund Management Center, as a provident fund management institution established by Huaibei Municipal Government, undertakes the management and service responsibilities of provident fund deposit, withdrawal and loan. Through standardized management, high-quality service and extensive publicity, we will provide convenient and efficient provident fund services for the employees and promote the healthy development of the provident fund cause in Huaibei City.
Legal basis:
Regulations on the administration of housing provident fund
Article 8 provides that:
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 (prefectures and leagues) shall set up housing provident fund management committees as decision-making bodies for housing provident fund management. Among the members of the Housing Provident Fund Management Committee, responsible persons and relevant experts from the people's government, construction, finance, People's Bank and other relevant departments account for 1/3, trade union representatives and employee representatives account for 1/3, and unit representatives account for 1/3. The director of the housing provident fund management committee shall be a person with social credibility.
Regulations on the administration of housing provident fund
Article 24 provides that:
In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
Regulations on the administration of housing provident fund
Article 26 provides that:
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.