The Dengzhou Housing Provident Fund Management Center is a specialized agency established by the Dengzhou Municipal Government, responsible for the management and operation of Dengzhou City’s housing provident fund affairs.
1. Payment and deposit of housing provident fund
The Dengzhou City Housing Provident Fund Management Center is responsible for formulating and implementing the payment policy of housing provident fund. All employees working in Dengzhou City are required to contribute to the housing provident fund in accordance with the prescribed proportion. The deposit ratio will be adjusted by the center in a timely manner based on the economic situation and real estate market conditions of Dengzhou City to ensure that the accumulation and use benefits of the provident fund are maximized.
2. Withdrawal of Housing Provident Fund
If employees meet certain conditions, they can apply to the Dengzhou City Housing Provident Fund Management Center to withdraw housing provident fund. These conditions include purchasing, building, renovating, and overhauling a self-occupied house, repaying the principal and interest of the home purchase loan, retirement, etc. The center will review the application materials of employees, and those who meet the conditions will be approved for withdrawal.
3. Housing Provident Fund Loans
Dengzhou City Housing Provident Fund Management Center also provides housing provident fund loan services to qualified employees. When employees purchase their own homes, they can apply for provident fund loans and enjoy lower interest rates and longer repayment terms. The center will comprehensively evaluate and decide whether to approve the loan application based on the employee's payment status, credit history and other factors.
IV. Management and Supervision
The Dengzhou Housing Provident Fund Management Center is also responsible for the management and supervision of the use of housing provident funds. The center will regularly audit and inspect the deposits, withdrawals, loans and other services of the Provident Fund to ensure the safe and compliant use of the Provident Fund. At the same time, the center will also strengthen the publicity and popularization of provident fund policies to improve employees' awareness and participation in provident funds.
In summary:
Dengzhou Housing Provident Fund Management Center, as a specialized agency established by the Dengzhou Municipal Government, plays an important role in the management and operation of housing provident fund affairs. By formulating and implementing deposit policies, providing withdrawal and loan services, and strengthening management and supervision, the center provides convenient and efficient housing provident fund services to the majority of depositing employees, and promotes housing construction and the healthy development of the real estate market in Dengzhou City .
Legal basis:
"Housing Provident Fund Management Regulations"
Article 14 stipulates:
Newly established units shall establish themselves Within 30 days from the date of registration, the housing provident fund payment and deposit registration shall be completed with the Housing Provident Fund Management Center, and within 20 days from the date of registration, the procedures for the establishment of housing provident fund accounts for the employees of the unit shall be completed.
If a unit merges, splits, cancels, dissolves or goes bankrupt, the original unit or liquidation organization shall handle the change registration or deregistration with the Housing Provident Fund Management Center within 30 days from the date of occurrence of the above circumstances, and shall handle the registration change itself. Within 20 days from the date of proper registration change or deregistration, the housing provident fund account transfer or sealing procedures shall be handled for the employees of the unit.
"Housing Provident Fund Management Regulations"
Article 24 stipulates:
If an employee has any of the following circumstances, he or she may withdraw funds from the employee's housing provident fund account Storage balance:
(1) Those who purchase, build, renovate or overhaul their own houses;
(2) Those who retire or retire;
(3) Completely losing the ability to work and terminating the labor relationship with the employer;
(4) Leaving the country to settle down; (5) Repaying the principal and interest of the house purchase loan;
(6) The rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time. If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.
"Housing Provident Fund Management Regulations"
Article 26 stipulates:
Employees who contribute to the housing provident fund shall not When living in housing, you can apply for a housing provident fund loan from the Housing Provident Fund Management Center.
The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures.
The risks of housing provident fund loans are borne by the housing provident fund management center.