How to pay the housing accumulation fund in Shenyang?

Ministry of Finance the State Council Housing System Reform Leading Group China People's Bank

Interim provisions on the establishment of housing provident fund system

(Caizong Word [1994] 126)

Chapter I General Principles

Article 1 In order to establish a new urban housing system that meets the requirements of the socialist market economy, form a stable source of housing funds, promote the accumulation and turnover of housing funds and the establishment of a policy mortgage loan system, change the housing distribution mechanism, and improve the self-occupation ability of employees, these Provisions are formulated in accordance with the Decision of the State Council on Deepening the Reform of Urban Housing System.

Article 2 The housing accumulation fund is a long-term housing savings fund. During the employee's on-the-job period, the individual employee and the unit to which he belongs shall pay monthly according to a certain proportion of the employee's personal salary and the employee's total salary, which shall be owned by the individual employee, stored in a special account, managed in a unified way and used for special purposes.

Article 3 All official employees of party and government organs, social organizations, institutions and enterprises, employees under labor contract system and Chinese employees of foreign-invested enterprises shall pay the housing provident fund. Retired employees, temporary workers and foreign employees of foreign-funded enterprises do not pay housing provident fund.

Article 4 The housing accumulation fund system shall generally be implemented in accordance with the principle of territoriality.

Chapter II Deposit of Housing Provident Fund

Article 5 In the initial stage, individual employees and their units shall pay the housing accumulation fund at 5% of their personal wages and total wages. In the future, with the development of economy and the increase of employees' wage income, the payment rate can be adjusted appropriately. The proportion of housing accumulation fund paid by foreign-invested enterprises and their Chinese employees shall be determined by the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government.

Article 6 The payment base of housing provident fund shall be calculated according to the average monthly salary of employees in the previous year, and the amount of salary shall be calculated according to the provisions of the National Bureau of Statistics.

Article 7 The housing accumulation fund paid by individual employees shall be paid by individual employees.

Article 8 The sources of funds for housing provident fund paid by units for employees are:

(a) enterprises from the enterprise to extract building depreciation and other transfers of funds to solve the problem, the insufficient part of the approval of the financial sector, in the cost, expenses;

Central enterprises shall be audited by the offices (groups) of the financial Ombudsman of the Ministry of Finance in all provinces, autonomous regions, municipalities directly under the Central Government and cities under separate state planning.

(two) the administrative and public institutions are based on the transfer of the original housing funds, and the administrative and public institutions with full budget are allocated by the financial budget; Institutions with a differential budget shall be solved in the financial budget and the unit's own funds according to the differential ratio. The financial burden of funds, according to the unit affiliation and financial system, by the central finance and local finance at all levels respectively.

(three) self-supporting institutions according to the enterprise expenditure channels.

Article 9 The housing provident fund paid by individual employees shall be deducted together with the part paid by the unit where the employees work, paid to the housing provident fund management institution within the specified time, and deposited in the "special account for housing provident fund" opened by the housing provident fund management institution in the entrusted bank.

Tenth housing provident fund deposit interest rates, according to the relevant provisions of the people's Bank of China.

Eleventh housing provident fund principal and interest, exempt from personal income tax.

Chapter III Payment of Housing Provident Fund

Twelfth employees' individual housing provident fund can only be used for family purchase, construction and repair expenses of family occupied housing.

Thirteenth workers individual housing provident fund repayment and transfer:

(a) when employees retire, leave or settle abroad, they can withdraw the balance of principal and interest of housing provident fund by themselves;

(two) when the workers are transferred, the balance of principal and interest of the housing provident fund will be transferred to the housing provident fund account of the workers under the name of the new unit;

(3) The employee who dies during his/her service shall be paid the balance of principal and interest of the housing provident fund by his/her legal heir or legatee.

Chapter IV Use of Housing Provident Fund

Fourteenth housing provident fund use scope and order:

(a) the purchase and construction of self-occupied housing mortgage loans;

(2) Loans for renovation of workers' self-occupied housing;

(three) urban affordable housing construction loans;

(four) units to buy and build housing mortgage loans;

(five) after meeting the payment needs and arranging the above loans, the balance can be used to buy government bonds.

Fifteenth housing provident fund management agencies in conjunction with the relevant departments in accordance with the above scope and order of the preparation of housing provident fund use plan, submitted to the local people's government for approval, issued to the entrusted bank.

Sixteenth housing provident fund use procedures:

(a) housing provident fund users (or units) to apply for the use of housing provident fund management institutions;

(two) the housing provident fund management institution shall review the loan application according to the provisions on the use of housing provident fund, the annual use plan and the deposit of the applicant's housing provident fund;

(three) the entrusted bank shall, in accordance with the relevant provisions, conduct a credit review of the users (or units) proposed by the housing provident fund management institution, determine whether to issue loans, go through the loan procedures, and recover the loans on schedule. However, loans cannot be issued for purposes other than users (or units) proposed by the provident fund management institution.

Chapter V Management of Housing Provident Fund

Article 17 The municipal (county) people's government is responsible for formulating relevant specific provisions on the collection, use and management of housing provident fund, and approving the use plan and financial budget and final accounts of housing provident fund. To exercise leadership and supervision over the housing provident fund management institutions.

Eighteenth housing provident fund management agencies specifically responsible for the housing provident fund collection, deposit, accounting and preparation of use plans and other management work.

The specific establishment of housing provident fund institutions shall be determined by the local people's government.

Nineteenth housing provident fund management agencies responsibilities:

(a) approved the payment base of housing provident fund;

(two) to urge all units to pay the housing provident fund on a monthly basis;

(three) in conjunction with the relevant departments to prepare the annual plan for the use of housing provident fund;

(four) to review the application for the use of housing provident fund users (or units);

(five) to supervise the entrusted bank to handle the housing provident fund deposit and loan business as agreed;

(6) Accounting of housing accumulation fund;

(seven) to repay the principal and interest of the employee housing provident fund.

Twentieth housing provident fund management institutions management fees, approved by the finance at the same level in the housing provident fund value-added income charged.

Twenty-first housing provident fund deposits and loans and other financial services, by the local people's government in accordance with the provisions of the people's Bank of China, designated banks to handle.

Article 22 The entrusted bank shall, in accordance with the entrustment agreement, submit statements and delivery vouchers to the housing provident fund management institution, and accept the supervision of the housing provident fund management institution.

Twenty-third housing provident fund and its management institutions of financial accounting system, according to the unified provisions of the Ministry of Finance, audit and supervision departments should strengthen audit and supervision.

Chapter VI Supplementary Provisions

Twenty-fourth units that fail to pay the housing provident fund without approval shall pay the full amount and pay the overdue fine.

Article 25 No unit or individual may misappropriate the housing accumulation fund. In violation of the provisions of Articles 14, 15 and 16, it shall be returned within a time limit, and economic penalties shall be imposed on the misappropriated units and individuals. If a crime is constituted, criminal responsibility shall be investigated according to law.

Twenty-sixth provinces, autonomous regions and municipalities directly under the central government housing system reform leading group in conjunction with the financial sector, in accordance with the provisions of the actual situation in the region to develop implementation details, reported to the people's government at the same level for approval before promulgation and implementation.

Article 27 The Ministry of Finance shall be responsible for the interpretation of these Provisions.

Article 28 These Provisions shall come into force as of the date of promulgation.

Part of the company's rental provident fund is deducted from the account, and part of the individual is deducted from my salary.

According to the percentage of salary, the company and the individual each contribute a part. Part of the company is deducted from the account by the housing provident fund office, and part of the company is deducted from my salary.

You have bought a house, you can continue to buy it.

According to Article 36 of the State Council's Regulations on the Management of Housing Provident Fund (OrderNo. 262nd of the State Council), the Center provides employees and units with inquiry services on the deposit and withdrawal of housing provident fund. Employees can only apply for their own housing provident fund, not others' housing provident fund. Inquiries about applying for housing provident fund shall be handled in accordance with the following provisions:

First, employees must show their identity cards when they apply to inquire about their housing provident fund. If you don't show your ID card or have no ID card, you won't be inquired.

Two, due to official or work needs, the unit needs to query the employee housing provident fund, must submit the following documents:

1. If a unit needs to inquire about the housing provident fund of its employees when handling the housing provident fund business, it shall submit a letter of introduction issued by the unit and show the identity card of the inquirer.

Non-employees of this unit or those who do not handle the housing provident fund business will not be inquired.

2. If a lawyer needs to inquire about the employee housing provident fund involved, he shall submit the letter of introduction and the Notice of Accepting Cases issued by the law firm (submit a copy and submit the original), and show his lawyer's practice certificate and ID card.

3. If the public security and judicial organs need to inquire about the employee housing provident fund when performing official duties according to law, they shall submit a letter of introduction or a notice of assistance in inquiry issued by the unit, and show the work permit and official documents of the inquirer.

Three, the unit to apply for the inquiry of the unit's housing provident fund, submit a letter of introduction issued by the unit, and show the identity card of the inquirer.

Bring you housing wages

Housing provident fund shall be paid by units and individuals in the same proportion. The so-called "individuals pay a piece, the unit sticks a piece." Why should the unit put up a piece? Some people say it is a unit welfare, others say it is a unit subsidy, and there is no agreement. We might as well combine the background of housing system reform to make an analysis. In the planned economy period, housing was distributed in kind. Whether the house can be allocated or not depends mainly on the unit benefit. At that time, people's wages were not specifically used for the composition of housing consumption, and people did not have the consumption habit of buying a house by accumulating wages. In the reform of the housing system, the physical distribution of housing was cancelled, and the unit no longer distributed housing to employees, but implemented monetization distribution, that is, the unit's support for employees to buy houses was reflected in wages. Since then, employees have changed from relying on the unit to their own lives, and the unit has changed from all-inclusive to paying housing wages. Therefore, it is more appropriate to define housing accumulation fund as housing wage, and this kind of housing wage has the characteristics of legality and compulsion, which is different from housing welfare and housing subsidy and can be determined by the unit according to the benefit.

Bring you savings and wealth.

The housing accumulation fund system adopts the "individual accumulation system" mode, that is, the funds accumulated in individual accounts are completely owned by individuals, emphasizing "solving their own housing needs with their own accumulation", which is in sharp contrast with social security funds such as pension and unemployment, which are mainly based on social pooling and supplemented by individual accounts.

If you are a depositor of housing provident fund, you have a housing provident fund account, which is equivalent to opening a "passbook account" in the bank. No matter what you personally pay, what the unit pays for you belongs to you. Over time, you can form a considerable "savings". According to the relevant regulations of the state, this "savings" can earn interest from the date it is deposited in your account, and it is calculated with compound interest every year, without paying interest income tax. In other words, even if you don't use the housing provident fund, this "savings" in your housing provident fund account will also have income, and the income level is not low. According to the current deposit rate, it is close to the one-year lump-sum deposit and withdrawal rate.

Therefore, the compulsory payment of housing provident fund by the state actually creates a personal wealth for you in the form of statutory compulsory savings, which may be transformed into physical form-that is, you can buy a house with housing provident fund; It may also be expressed in the form of money-that is, savings deposits that you have and can produce good returns; It can also be your retirement income-if you have never used the provident fund, or have used it before but accumulated it later, then when you retire, you can withdraw all the principal and interest of your housing provident fund as your retirement income as a source of income for you to describe a stable and beautiful retirement life.

Bring you low-cost loans

As a payer, as long as you pay the housing provident fund in accordance with the regulations, you have fulfilled your obligation to pay. According to the law of relative rights and obligations, you have the right to use the housing provident fund, including applying for housing provident fund loans. Therefore, when you need to buy a house, you may wish to be kind to the right to apply for housing provident fund loans.

The advantages of housing provident fund loans are mainly reflected in providing you with low-cost financing. Compared with commercial housing loans of banks, the interest rate of housing provident fund loans is relatively low. Similarly, housing provident fund loans and commercial housing loans, the annual interest rate of 10 is 4.4 1% and 6. 12% respectively, and the former pays less interest10/02.74 yuan than the latter. Which is higher or lower is clear at a glance. The interest difference between housing provident fund loans and commercial housing loans was ignored by many borrowers when the mortgage interest rate was low and showed a downward trend in previous years. However, on March 17, 2005, the central bank adjusted the housing loan interest rate policy, and the increase rate of housing provident fund loan interest rate was smaller than that of commercial housing loans, further widening the spread between the two, and the low interest rate advantage of housing provident fund loans was more obvious. Many borrowers even proposed a motion to allow commercial housing loans to be converted into housing provident fund loans.

Of course, obtaining housing provident fund loans must also meet the prescribed conditions. In Shanghai, the loan amount of housing provident fund is linked to the account balance. At present, the maximum multiple has been relaxed from 15 to 40. If the loan amount is 200,000 yuan (the maximum loan amount of the basic provident fund, excluding the supplementary provident fund loan amount), there must be at least 5,000 yuan in the housing provident fund account. In addition, the borrower must continuously deposit the housing provident fund for 6 months before applying for a loan.

Give you peace of mind to repay.

Borrowers generally repay in cash, or authorize banks to deduct money from designated repayment cards. But do you know that housing provident fund can bring you convenient and safe repayment methods?

The procedure of using the housing provident fund to repay the housing loan is very simple. As long as you bring the materials to the loan bank and sign the Power of Attorney for Repaying Housing Loan with Housing Provident Fund, the bank will automatically deduct the money from your housing provident fund account on a regular basis according to your entrustment requirements to repay your housing provident fund loan or commercial housing loan. Because this repayment method only needs one entrustment, it is long-term, effective, convenient, safe and assured.

There are two main ways to use housing provident fund to repay housing loans. One is a one-time repayment method, that is, the housing provident fund is withdrawn once a year to repay the loan principal, and the other is a monthly repayment method, that is, the housing provident fund is withdrawn every month to repay the loan principal and interest of the current month. The former is equivalent to repaying the loan once a year in advance, which saves interest expenses and reduces the monthly repayment amount in the future, while the latter reduces the borrower's monthly cash expenditure and reduces the financial pressure of cash flow. There is no difference between the two methods, and the borrower needs to choose according to his own situation. But no matter which way, use your housing provident fund as much as possible, so that it can continuously improve your repayment ability and facilitate your financial arrangement and repayment plan. This is actually a manifestation of improving your self-occupation ability and housing consumption level.

Take care of your special needs

Housing accumulation fund is a special housing savings fund, whose use is strictly restricted, and it is mainly used for housing consumption. But in reality, some employees are unemployed or their families have changed, which leads to difficulties in life. Perhaps the first problem they face is not to improve housing, but to solve the urgent problem of life difficulties. However, according to the current Regulations on the Management of Housing Provident Fund, the housing provident fund they paid before cannot be withdrawn to solve their living difficulties, and can only be used if they meet the conditions for buying a house or reach retirement age.

It is gratifying that this situation is changing. It is reported that the "Several Provisions on the Management of Housing Provident Fund in Shanghai (Draft)" under consideration by the Standing Committee of Shanghai Municipal People's Congress stipulates that those who enjoy the minimum living guarantee in cities and towns, have been unemployed for more than two years and have serious difficulties in family life, and their spouses or immediate family members have serious difficulties in family life due to serious illness, they can withdraw housing provident fund to pay rent, maintenance funds, property management fees, etc. The relaxation of the conditions for the withdrawal of housing provident fund reflects the people-oriented concept. In fact, it shows that the housing provident fund system takes care of and cares for the special needs of some special groups, making the housing provident fund "make the best use of everything and benefit the people" and highlighting the humanization of the system.