Chapter III Measures for the Administration of Housing Provident Fund in Harbin

Twenty-eighth employees in any of the following circumstances, you can withdraw the balance of my 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 termination of labor relations between employees and units that are not registered in this Municipality;

(seven) transferred from the city area;

(eight) the rent exceeds the prescribed proportion of family wage income.

According to items (2), (3) and (4) of the preceding paragraph, if the storage balance of housing provident fund is withdrawn, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, his legal heir and legatee can withdraw the storage balance in his housing provident fund account and cancel his housing provident fund account at the same time; If there is no heir or legatee, the storage balance in the housing provident fund account shall be included in the value-added income of the housing provident fund.

Twenty-ninth workers to withdraw the balance of housing provident fund storage in personal accounts, should be issued by the unit to extract the certificate and the following materials, to apply to the management center:

(a) the purchase of owner-occupied housing, submit the approval procedures for the purchase of public housing or a valid contract for the purchase of commercial housing, a valid certificate for private housing transactions;

(two) the construction of self-occupied housing, submit the approval documents of the planning and land management departments;

(three) overhaul or reconstruction of their own housing, submit the approval documents of the planning and management department;

(4) Valid certificates of employees' retirement and resignation and certificates of their original units;

(five) completely lose the ability to work and terminate the labor relationship with the unit, and submit a legal and effective certificate of loss of labor ability and termination of labor relations;

(six) to settle abroad, submit the formalities for leaving the country (immigration documents, settlement cards, permanent residence visas, etc.). ) or the cancellation of household registration certificate issued by the public security organ and other relevant departments;

(seven) to repay the principal and interest of the house loan, submit the repayment certificate and loan contract;

(eight) if the employee terminates the labor relationship with a unit that is not registered in this Municipality, submit the household registration certificate and the certificate of termination of labor relationship issued by the original household registration management department;

(nine) transferred from the city area, submit the new account opening certificate of the employee personal provident fund transferred to the unit and the transfer letter of introduction issued by the transferred unit;

(10) If an employee dies or is declared dead, his successor or legatee shall submit a valid certificate of the employee's death and a valid certificate of legal inheritance.

(eleven) if the rent exceeds the prescribed proportion of family income, provide the proof of salary income and household registration book of family members with the same account, and if it belongs to renting public housing, it shall also provide the proof of public housing lease; If it belongs to renting non-public housing, it shall also submit the registration certificate of the housing rental management institution and the tax payment certificate issued by the tax department.

The management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the extraction, and notify the applicant; If the withdrawal is granted, the withdrawal formalities shall be handled in accordance with the provisions.

If the applicant refuses to accept the decision made by the management center not to withdraw, he may apply for administrative reconsideration or bring an administrative lawsuit according to law.

Thirtieth employees who fulfill the obligation of housing provident fund deposit can apply for housing provident fund loans to the management center when purchasing, building, renovating or overhauling their own houses.

Measures for individual loans of housing provident fund shall be formulated separately by the Municipal People's Government.

Thirty-first management center in the premise of ensuring the housing provident fund withdrawal and loans, with the approval of the CMC, housing provident fund can be used to buy government bonds.

The management center shall not provide guarantees to others, and shall not use the housing provident fund and its value-added income for investment, equity participation and stock purchase.

Thirty-second housing provident fund value-added income shall be deposited in the special account for housing provident fund value-added income opened by the management center in the entrusted bank, which shall be used for the establishment of housing provident fund loan risk reserve, management expenses of the management center and supplementary funds for urban low-rent housing construction. The risk reserve ratio of housing provident fund loans shall not be less than 60% of the value-added income of housing provident fund, or not less than 1% of the annual balance of housing provident fund loans.

Article 33 If an enterprise is declared bankrupt according to law, when its assets are paid off, it shall give priority to repaying the housing provident fund and provident fund loans it owes according to law.

Thirty-fourth management center management fees and supplementary funds for urban low-cost housing construction shall be paid into the financial accounts.

Management center management fees, by the management center in accordance with the provisions of the standard annual total expenditure budget, approved by the municipal finance department, from the housing provident fund value-added income allocated by the municipal finance.

Management center management fee standards (including office expenses, business expenses, management facilities renewal and other special expenses) are approved according to the charging standards of institutions slightly higher than those stipulated by the state.