Chapter I General Provisions
Article 1 In order to strengthen the management of housing provident fund, standardize the withdrawal of housing provident fund, ensure the use direction of housing provident fund, give full play to the role of housing provident fund system, and protect the legitimate rights and interests of workers, these measures are formulated in accordance with the relevant provisions of the Regulations on the Management of Housing Provident Fund in the State Council and the Regulations on the Management of Housing Provident Fund in Henan Province, and combined with the actual situation of our city.
Article 2 These Measures shall apply to the extraction and management of housing provident fund within the administrative area of this Municipality.
Third city housing provident fund management center (hereinafter referred to as the supervisor)
Chapter II Extraction Conditions
Article 4 An employee may withdraw the storage balance in the employee's housing provident fund account under any of the following circumstances:
(a) the purchase, construction, renovation or overhaul of owner-occupied housing;
(2) Retired;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(five) to repay the principal and interest of the house loan;
(six) the rent exceeds the prescribed proportion of family wage income;
(seven) after the termination of labor relations with the unit, it has not been re-employed for three years;
(eight) the account moved out of the administrative region of this province;
(nine) other circumstances stipulated by the housing provident fund management committee.
Article 5 If an employee dies or is declared dead during his/her service, his/her heirs and legatees may withdraw the storage balance in the employee's housing provident fund account. If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.
Article 6 If the employee himself, his spouse and children without financial resources suffer from serious diseases and disasters, resulting in particularly difficult family life, the storage balance in the employee's housing provident fund account can be withdrawn after investigation.
Article 7 If an employee who has paid the housing provident fund withdraws insufficient balance from his/her housing provident fund account when purchasing or building a house, repaying a house loan and paying rent, he/she may withdraw the balance from the housing provident fund account of his/her spouse, parents and children, but with the written consent of the person who has been withdrawn.
Article 8 If an employee meets the extraction conditions stipulated in these Measures and has a personal housing provident fund loan at the management center, the extracted housing provident fund shall be used to repay the principal and interest of the personal housing provident fund loan in priority.
Chapter III Withdrawal Quota
Article 9 When employees purchase, build, renovate or overhaul their own houses, they can withdraw the housing accumulation fund balance within one year after signing the purchase contract, and within one year after the construction, renovation or overhaul of their own houses is approved, but it shall not exceed the cost of purchasing, building, renovating and overhauling their own houses.
Article 10 When repaying the principal and interest of the house purchase loan and withdrawing the employee housing provident fund, the withdrawal amount shall not exceed the principal and interest of the house purchase loan.
Article 11 When the rent exceeds the prescribed proportion of family wage income, the withdrawal amount shall not exceed the rent actually paid.
Article 12 1 retired; 2 completely losing the ability to work and terminating the labor relationship with the unit; 3. Leaving the country for settlement; 4. After the termination of the labor relationship with the employer, he has not been re-employed for three years; 5 accounts moved out of the administrative region of this province; If an employee dies or is declared dead during his/her employment, he/she may withdraw all the storage balance in his/her housing provident fund account and cancel his/her personal housing provident fund account.
Chapter IV Extraction of Vouchers
Thirteenth housing provident fund withdrawal must provide an original ID card and a copy. Workers who withdraw housing provident fund from their spouses, parents or children at the same time shall provide an original and a copy of the relevant kinship certificate (marriage certificate or household registration book, etc.) and an original and a copy of their respective identity cards, and the relevant personnel shall personally sign a written opinion on the withdrawal of housing provident fund.
Fourteenth purchase, construction, renovation, overhaul of owner-occupied housing, according to the following requirements issued by the relevant documents:
(a) the purchase of commercial housing, affordable housing, housing property supervision departments to provide the registration of the "commercial housing sales contract" or "affordable housing sales contract" and a copy of the original down payment bill; If the house payment has been paid, the original and one copy of the registered house purchase contract and full payment invoice shall be provided.
(two) the purchase of second-hand housing, provide the original and a copy of the real estate sales contract, the original and a copy of the deed tax payment certificate.
(three) the purchase of public housing, provide public housing sales contracts and employees to buy public housing approval form and a copy of the original.
(four) for the construction of owner-occupied housing, provide the original and a copy of the approval documents (land use certificate, construction project planning permit, construction permit) of the administrative departments of planning and land at or above the county level.
(5) For the renovation and overhaul of owner-occupied housing, provide the approval document (construction project planning permit) of the planning administrative department at or above the county level and the original and a copy of the Property Ownership Certificate.
Fifteenth retired, provide an original and a copy of the retirement certificate or an original and a copy of the retirement approval form.
Article 16 In case of complete loss of labor ability and termination of labor relations with the unit, provide the certificate of termination of labor relations by the unit, the certificate of hospitals at or above the county level and the original and a copy of the labor ability appraisal form for injured and sick workers in Puyang issued by the Puyang Municipal Labor Appraisal Committee.
Article 17 For those who leave the country to settle down, the original and one copy of the certificate of leaving the country to settle down shall be provided.
Eighteenth to repay the principal and interest of the house purchase loan, provide the original and a copy of the house purchase contract, the loan contract and the balance certificate of the house purchase loan.
Nineteenth rent exceeds the prescribed proportion of family wage income, provide a housing lease certificate, housing lease contract, tax invoice for the actual payment of rent, and an original and a copy of the payroll issued by the unit. Twentieth after the termination of labor relations with the unit, not re employment for three years, to provide proof of termination of labor relations, proof of unemployment. Twenty-first accounts to move out of the administrative region of this province, provide the original and a copy of the account migration certificate issued by the public security organ. Article 22 If an employee dies or is declared dead, his successor or legatee shall provide the employee's death certificate, and the original and one copy of the notarial certificate issued by the notary department on the right of inheritance or bequest. In case of any dispute over the right of inheritance or bequest, a judgment, ruling or conciliation statement made by the people's court shall be provided. Chapter V Withdrawal Procedures Article 23 Employees shall apply to the unit for withdrawal of housing provident fund on the basis of withdrawal vouchers. The unit shall verify it and affix the official seal of the unit. Article 24 An employee shall apply for the withdrawal of housing provident fund from the management center, management department or sub-center where the housing provident fund has been paid by the unit with the withdrawal voucher and the Approval Form for Withdrawing Housing Provident Fund from Puyang Housing Provident Fund Management Center. The management center or management department or sub-center shall make a decision on whether to approve the withdrawal within two working days from the date of accepting the application, and notify the applicant. Twenty-fifth approved extraction, workers with identity cards, to the management center or management department, sub-center for extraction procedures. If extraction is not allowed, the applicant shall be informed of the reasons why extraction is not allowed. Chapter VI Supervision Article 26 The management center and employees have the right to urge the unit to examine the employee's housing provident fund withdrawal certificate and handle the housing provident fund withdrawal procedures according to the regulations. The management center has the right to order the unit to make corrections within a time limit, if the unit refuses to make corrections and causes losses to the management center and employees, it shall be handled in accordance with the relevant laws and regulations. Twenty-seventh units issued false proof of housing provident fund for employees, shall be punished by the management center according to the relevant laws and regulations. Twenty-eighth management center and its staff in violation of the provisions of these measures, dereliction of duty, corruption, which constitutes a crime, shall be investigated for criminal responsibility according to law; If it does not constitute a crime, it shall be given administrative sanctions according to law; If losses are caused to the housing accumulation fund, it shall be liable for compensation according to law. Chapter VII Supplementary Provisions Article 29 The sub-centers and county (district) management departments under the jurisdiction of the management center shall handle the housing provident fund withdrawal business in accordance with the provisions of these Measures within the scope authorized by the management center. Thirtieth these Measures shall come into force as of the date of issuance.