Dongguan Rong Da property

The new year is a new beginning, but under the influence of the epidemic, new policies are frequently introduced.

On February 3rd, the central bank put in 1.2 trillion to ensure sufficient liquidity supply. On February 4, the central bank issued an announcement to carry out 500 billion reverse repurchase operations.

At the same time, on February 3, the National Provident Fund Management Center issued the Notice on Strengthening the Housing Provident Fund Service Guarantee of Central State Organs in Coordination with Epidemic Prevention and Control, which mentioned the following points:

1. During the epidemic prevention and control period, if the frontline staff of epidemic prevention and control cannot repay the loan normally, it will not be overdue and will not be deducted.

2. Pneumonia infected in novel coronavirus will be included in the housing provident fund for severe illness, and patients can withdraw the housing provident fund for medical expenses.

3. Patients, suspected patients and close contacts who are infected with novel coronavirus are unable to repay their loans normally during isolation treatment or medical observation, or because the government implements isolation measures or takes other emergency measures, they will not be treated overdue and will not be charged liquidated damages.

On February 4th, Dongguan Housing Provident Fund Management Center issued the Administrative Measures for the Withdrawal of Housing Provident Fund in Dongguan, and the New Deal will be implemented on March 1 day.

The new policy has been adjusted in many aspects, mainly including: adding two kinds of extraction methods and canceling four types of extraction scope.

Two new ways:

1. Full withdrawal of small deposits:

If employee A's monthly deposit is in 280 yuan, and the deposit is lower than the standard of housing provident fund in 350 yuan, he can apply for full withdrawal of the monthly deposit, and then he can withdraw from 280 yuan.

2. Apply for renting government subsidized housing according to the actual rent:

For example, employee B's monthly deposit is 1 000 yuan, and the monthly rent for renting affordable housing in this city is 800 yuan. You can choose to calculate it in proportion (700 yuan can be mentioned this month) or according to the actual amount of rented affordable housing (800 yuan can be mentioned this month), and the latter can withdraw 1 000 yuan.

Cancel four types of extraction range:

1. People who enjoy the minimum living guarantee in Dongguan cannot withdraw this kind of provident fund;

2 employees or family members suffering from major diseases, shall not withdraw such provident fund;

3. For those who have resigned, this category is not allowed to withdraw the provident fund;

4. Cancel the restriction that the unit price is 2,000 yuan/square meter and the construction area does not exceed 144 square meter, and the applicant shall truthfully declare.

In addition, two new provisions have been added:

1. Extraction conditions: the employee, spouse and minor children have no own houses in this city and the applicant has paid for it continuously for 3 months;

2. Extraction approval: If the application for purchasing owner-occupied housing in other cities is extracted, the time limit for approval is 3 working days after receiving the application materials that meet the requirements, and other situations will be settled on the spot.

The full text of the notice is as follows:

Workers who have paid housing provident fund, all relevant units:

"Dongguan housing provident fund extraction management approach" (hereinafter referred to as the "extraction approach") has been deliberated and adopted by the third session of the fourth session of the Municipal Housing Provident Fund Management Committee and approved by the Municipal People's Government. It was implemented on March 1 2020, and the new version of Work Guide was launched simultaneously. The main changes and key points of the housing provident fund withdrawal policy in our city are hereby notified as follows:

First, there are two ways to increase the rent of self-occupied housing in this city.

While retaining the proportion and limit of withdrawal, increase the full withdrawal of low deposits and apply for government affordable housing according to the actual rent.

Two, cancel the extraction of social minimum living allowance.

Before the implementation of the "Withdrawal Measures", those who have been put on record can still apply for withdrawal according to the "Regulations of Dongguan Municipality on the Administration of Housing Provident Fund Withdrawal" (East Provident Fund Committee [20 15] 1).

Three, cancel the extraction of employees or family members suffering from major diseases.

Before the implementation of the "Withdrawal Measures", those who have been put on record can still apply for withdrawal according to the "Regulations of Dongguan Municipality on the Administration of Housing Provident Fund Withdrawal" (East Provident Fund Committee [20 15] 1).

Fourth, cancel the withdrawal of resignation.

After the employee and the unit terminate the labor relationship, they shall go through the formalities of canceling the account. Those who meet the requirements can go through the transfer procedures, and can't apply for withdrawal according to the Regulations of Dongguan Municipality on the Administration of Housing Provident Fund Withdrawal (No.:20 15- 1). Compatriots from Hong Kong, Macao and Taiwan and foreigners who leave their jobs and their accounts are sealed up can still be extracted according to their application for leaving the country to settle down.

Five, cancel the construction, renovation, overhaul housing extraction quota.

The restriction of "the unit price is 2,000 yuan/square meter, and the construction area does not exceed 1.44 square meter" shall be cancelled, and the applicant shall truthfully declare it.

Six, adjust the time limit for collecting rent and property management fees

You can apply for withdrawal of housing provident fund before the application date 12 months, and the month of application is not counted.

Seven, the "extraction method" provisions of the relevant indicators.

Article 9 (1) and (2) The standard refers to 350 yuan, the specified proportion refers to 70%, and the upper limit of quota refers to 1.800 yuan.

The standard stipulated in Article 10 refers to 30% of the monthly deposit, not exceeding 1.500 yuan.

Too complicated? Don't understand? Let's take a look at the official interpretation of the New Deal:

(1) Q: How many ways are there to extract rented self-occupied housing in this city?

A: Employees, spouses and minor children who have no self-owned housing in this city can apply if the applicant has paid for it continuously for 3 months. The applicant can choose according to his own situation:

1. If the monthly deposit amount is higher than the specified standard, you can apply for withdrawing the housing provident fund with the specified proportion and upper limit of the monthly deposit.

2. If the monthly deposit amount is lower than the prescribed standard, you can apply for full withdrawal of the monthly deposit amount.

3, renting government affordable housing, according to the actual payment of affordable housing rent extraction.

⑵ Q: What are the prescribed standards, prescribed proportions and upper limits of the amount involved in the extraction of rented self-occupied housing in this city? How should the applicant calculate the withdrawal amount for one month?

A: The specified standard refers to 350 yuan, the specified proportion refers to 70%, and the upper limit of quota refers to 1.800 yuan.

For example, applicants A (monthly contribution to 280 yuan), B (monthly contribution to 400 yuan) and C (monthly contribution of 3,500 yuan) have not rented affordable housing in this city; Applicant D (monthly deposit 1 000 yuan, monthly rent of affordable housing in 800 yuan), the deduction amount is calculated as follows:

Applicant A: 280 yuan -350 yuan, and the withdrawal amount should be calculated according to the monthly deposit, that is, Applicant A can withdraw 280 yuan this month;

Applicant B: 400-350 yuan, 400 yuan × 70%-350 yuan, and the withdrawal amount should be calculated according to 350 yuan, that is, Applicant B can withdraw 350 yuan this month;

Applicant C: 3500-350 yuan, 3500 yuan ×70%≥350 yuan, and the withdrawal amount should be calculated according to the actual situation, which does not exceed the upper limit of 1800 yuan, that is, applicant C can withdraw 1800 yuan this month;

Applicant D: You can choose to calculate in proportion (which can be mentioned in 700 yuan this month) or according to the actual amount of affordable housing rented (which can be mentioned in 800 yuan this month).

Applicants who need to choose a scheme can handle it through the counter or intelligent teller machine; Applicants can apply through the self-service channel, and the system will automatically calculate and provide a higher withdrawal amount.

⑶ Q: I have never applied for renting a self-occupied house in this city in recent years. Can I take it all at once?

Answer: No, this withdrawal can only be applied for the withdrawal of the housing provident fund with the specified standard before the application date 12 months, and the amount generated by account merger, transfer, overdue payment and interest settlement is not included in the withdrawal amount.

(4) Q: What materials should be provided for the extraction of affordable rental housing? Why can't I take out the affordable housing I rented?

A: The Center has established a data exchange channel with the Housing and Urban-Rural Development Bureau, and no paper certificate is needed. If you rent affordable housing, you can't withdraw it according to this type. It is recommended to wait until the data is uploaded.

5] Q: Where do I need to apply for renting a self-occupied house in this city? How soon can I get it?

A: Applicants can choose to handle it through self-service channels such as SMS, WeChat, smart phone, net hall, all-in-one machine and Guangdong Province, or they can choose to handle it at the counter. If it is handled through the self-service channel, it can be withdrawn every month, and if it is handled at the counter, it can be withdrawn once every 12 months. When the applicant submits the business application, it should be based on one method, and it is not allowed to submit the business repeatedly, such as sending and extracting SMS repeatedly; If the feedback result is failure, the applicant can solve the problem and resubmit the application.

[6] Q: Why did you cancel the withdrawal of social subsistence allowances and the withdrawal of employees or family members suffering from major diseases?

Answer: The extraction of the minimum living security and the extraction of employees or their family members suffering from serious diseases have exceeded the provisions of the Regulations on the Management of Housing Provident Fund (the State Council Decree No.710) and related regulations and documents. The risk investigation of the electronic inspection tool of the Ministry of Housing and Urban-Rural Development clearly shows that these two items are not within the scope of extraction, and the previous audit opinions of the higher-level audit department on the housing provident fund in our city are consistent, requiring rectification. In practice, the provident fund center also lacks the professional ability to identify diseases related to the extraction of serious diseases, and the business volume of these two types of extraction is not large, and the rescue measures for poor groups such as subsistence allowances in our city are also relatively perfect. Therefore, this time, from the perspective of administration according to law and ensuring the earmarking of housing provident fund, the withdrawal of minimum living allowance for serious illness will be cancelled.

(7) Q: Can the subsistence allowances and serious diseases that have been documented before the implementation of the extraction method continue to be extracted?

A: Yes. Before the implementation of the withdrawal method, those who have been put on record can still apply for withdrawal according to the "Regulations of Dongguan Municipality on the Administration of Housing Provident Fund Withdrawal" (East Provident Fund Committee [20 15] 1).

(8) Q: Why did you cancel your resignation?

Answer: According to the Regulations on the Management of Housing Provident Fund (the State Council Order No.710) and the Notice on Implementing the Reform of "Simplifying Administration and Decentralizing Power, Strengthening Supervision and Improving Services" in the Housing Provident Fund Industry in Hunan, Guangxi and Jiangxi (Guangdong Construction Office Kim [20 18] 164).

Q: After the withdrawal of resignation is cancelled, what about the original provident fund after leaving the original company to work in another local company?

A: You can let the new unit go through the transfer procedures in the same city and transfer the provident fund of the original unit to the new unit for further deposit.

⑽ Q: After canceling the withdrawal, what should I do with the original provident fund in this city after leaving this city to work in another city?

A: After employees set up housing provident fund accounts in other cities and paid housing provident fund, they can apply for transferring the housing provident fund paid in their original work place to their current work city at the new work place provident fund center.

⑾ Q: What about the previous provident fund if you are not re-employed after leaving your job?

Answer: Those who have not been re-employed after leaving their jobs can see what kind of extraction they meet, and they can apply for extraction according to this type.

⑿ Q: How to calculate the withdrawal quota after canceling the withdrawal quota limit for housing construction, renovation and overhaul?

A: After the restriction of "the unit price is 2,000 yuan/square meter, and the construction area does not exceed 1.44 square meter" is lifted, the applicant will truthfully declare the amount spent.

Note: There are many details of the New Deal adjustment, please read it carefully!

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