Immediate family members suffering from serious illness can also withdraw provident fund.

Unmarried employees can withdraw their parents' housing provident fund when they buy a house, and employees themselves or their immediate family members can also withdraw their housing provident fund when they suffer from major diseases.

This is a new measure formulated by Panjin Housing Provident Fund Management Center, and it is also the first city in Liaoning Province to implement this regulation so far. The reporter saw in Panjin Housing Provident Fund Management Center yesterday that at the beginning of the new year? Red-headed document

Withdraw parents' provident fund

You can save the transfer fee in the future.

Two measures are undoubtedly the most striking. The first is that employees or their immediate family members (spouses, parents, children) suffer from major diseases (the definition of major diseases refers to medical insurance standards), which leads to difficulties in family life, and employees can withdraw housing provident fund. The withdrawal amount cannot exceed the remaining medical expenses after medical insurance reimbursement. The second is that unmarried employees can withdraw their parents' housing provident fund when buying a house, and the amount of withdrawal cannot exceed the total purchase price.

In response to these two measures, Gao, deputy director of Panjin Housing Provident Fund Management Center, said: Such measures are based on the convenience, benefit and benefit of the people. Many policies on housing provident fund are regulations of 10 years ago. Since society is progressing and developing, many things are not static and must keep pace with the times. ?

Director Gao said that the idea of implementing new measures has a long history. Through investigation, it is found that on the one hand, parents have money in housing provident fund, on the other hand, their children have no housing, which is a contradiction in itself. ? You can also say that parents can use the provident fund to buy a suite for their children, but after all, the name on the real estate license is not the child's. Even if one day parents want to transfer the house to their children, there must be a transfer fee. ?

Some cities outside the province have begun to implement provident fund for employees suffering from major diseases or their relatives. For those places that have not implemented it, it is really a dilemma to raise money for medical treatment on the one hand. In fact, as early as last year, we began to withdraw provident fund for employees suffering from major diseases, but there was no regulation at that time. Did we really implement it this time? Paper? In fact, this has become a rule. ?

Panjin till now.

No one has handled this business yet.

At present, how many people know that provident fund can handle these two businesses? Director Gao said: Because it is only published in its official website, the outside world doesn't know much. Since the implementation of June 65438+1 October1,Panjin Housing Provident Fund Management Center has not accepted applications for these two businesses. ?

For these two measures, will the threshold be high and the procedures be cumbersome? Director Gao said: as long as it meets the standards and conditions, we will deal with it. It is not difficult for the employees who handle it. Moreover, we will adjust the withdrawal of housing provident fund from Tuesday and Thursday to Monday and Thursday. ?

As for how many Panjin people can benefit from the two measures to benefit the people, Director Gao thought about it. I can't say the exact number, but more than 10000 people will definitely be fine. ?

The procedure is not cumbersome.

Major diseases include 9 categories.

Yesterday, Director Gao also answered questions about procedures and formalities. Single employees need to withdraw their parents' provident fund when buying a house, including purchase contract, purchase invoice, single certificate and household registration book. If an employee or relative has a serious illness, he can withdraw the provident fund, which requires medical records, diagnosis documents, expense lists and medical insurance reimbursement. ?

Regarding the definition of major diseases, referring to the medical insurance standards, Director Gao also specifically listed nine major diseases he learned from the medical insurance center.

These include:

Chronic renal failure (uremia), malignant tumor, aplastic anemia, chronic severe hepatitis, heart valve replacement, coronary artery bypass surgery, intracranial tumor craniotomy, major organ transplantation surgery, aortic surgery.

Regarding the new measures, the reporter interviewed local citizens in Panjin. It is generally felt that this is a good thing for the benefit of the people and the convenience of the people, and it has increased the scope of use of the provident fund. Unmarried employees can withdraw their parents' housing provident fund when buying a house, which provides convenience for young people who can't afford to buy a house.

Provincial and Shenyang housing accumulation fund

Relevant policies have not yet been introduced.

Use panjin provident fund? Models? Will its appearance attract other cities to follow suit?

The reporter called the Shenyang Housing Provident Fund Management Center yesterday, and employees or relatives suffering from major diseases can withdraw the provident fund. The other party said:? I've had it before, but it's special. You can apply in the provident fund management window, but it's hard to say whether it can be approved, and even if it can be applied, it is rare. ? In fact, as early as during the two sessions in Shenyang, some deputies suggested that the provident fund management department allow some employees with difficulties to withdraw housing provident fund for the treatment of serious, special and serious diseases, so as to reduce the burden of medical treatment for employees with difficulties. But at present, Shenyang seems to have no documents and regulations in this regard for the time being. As for Panjin housing provident fund, single employees can withdraw their parents' provident fund when buying a house. Shenyang Housing Provident Fund Management Center has never heard of it at all. The other party made it clear that only husband and wife can withdraw the provident fund, and children cannot withdraw their parents' provident fund. ? Subsequently, the reporter logged into official website, Liaoning Provincial Housing Provident Fund Management Center, but these two new measures were not found in official website's policies and regulations.

The new measures can make the paid provident fund work.

Regarding the new measures of Panjin Housing Provident Fund Management Center, the reporter interviewed Qu Yusheng, director of the Department of Management Science and Engineering of Liaoning University Business School, and the other party said:? Employees suffering from serious diseases or their relatives can withdraw the provident fund, which can not only give full play to the role of paying the provident fund, but also protect the people who pay the provident fund. However, there should be some follow-up regulations on the quantity and scale of the withdrawal of provident fund, because the housing provident fund is mainly used to ensure employees to buy, build, renovate and overhaul their own houses, and should be restricted from playing other functions. ?

Regarding the measure that single employees can use their parents' provident fund to buy a house, Director Qu thinks that if transfer is involved in the future, some transaction costs can be avoided, but one thing is that after all, parents' provident fund is paid by themselves and should be dominated by them. The introduction of this policy should have a premise of respecting parents' wishes, otherwise it will not cause family conflicts. In fact, if you don't use your parents' provident fund, retirement should also be a big pension expense. My suggestion is that it will be better to give priority to children's provident fund, supplemented by parents' provident fund. ?

It has been implemented in many areas.

Provident fund? For parents and children?

Lanzhou: After buying a self-occupied house, you can withdraw the housing accumulation fund of the employee himself, his spouse, parents and children at the same time.

Jining: Children can withdraw their parents' provident fund to buy a house, but they must meet the following two conditions? First of all, the buyer's account must be on the same account book as his parents. In addition, the marital status of the buyer must be unmarried.

Shenzhen: Parents' housing provident fund can repay the loan for their children. Parents who are not the same applicant for children's provident fund loans can become the same borrower for children's provident fund loans, and repay their children's provident fund loans with the balance of their own provident fund accounts, and deduct them once a year.

Tianjin: Employees can withdraw their parents' housing provident fund when buying a house.

Zhongshan: The amount of children's housing provident fund is not enough, so parents can help themselves. If a citizen borrows a loan to purchase the first self-occupied house, when the balance of the borrower's and his spouse's housing provident fund account is insufficient to pay the total principal and interest of the current loan repayment, the parents of the loan applicant can withdraw the housing provident fund from their account as the same payer.