Baoding provident fund withdrawal policy

Article 1 In order to strengthen the management of housing provident fund in our city, standardize the management operation of housing provident fund withdrawal, and safeguard the legitimate rights and interests of housing provident fund owners, these measures are formulated in accordance with the Regulations on the Administration of Housing Provident Fund, the Measures for the Administration of Housing Provident Fund in Hebei Province, the Measures for the Administration of Collection and Withdrawal of Housing Provident Fund in Hebei Province, and the relevant provisions of the state, province and city, combined with the actual situation of our city.

Article 2 These Measures shall apply to the extraction, supervision and management of housing provident fund within the administrative area of this Municipality.

Article 3 The Municipal Housing Provident Fund Management Committee shall, in accordance with its duties, supervise the implementation of laws, regulations and policies on the withdrawal of housing provident fund within the administrative area of this Municipality.

City housing provident fund management center (hereinafter referred to as the management center) is responsible for the extraction and management of housing provident fund in this administrative area. The sub-centers or management departments set up by the management center (hereinafter referred to as sub-centers or management departments) handle the specific business of housing provident fund within the scope authorized by the management center.

Fourth management center for housing provident fund withdrawal business, but not for cash withdrawal business.

Fifth management center for housing provident fund withdrawal business, should follow the principles of openness, fairness and justice.

Employees and units have the right to inquire about the extraction of housing provident fund for themselves and their employees, and the management center shall not refuse.

Article 6 Handling housing provident fund withdrawal business shall follow the principle of convenience and high efficiency, make full use of e-government and other technical means, implement online handling, improve work efficiency and provide quality services.

Chapter II Extraction Scope

Article 7 Under any of the following circumstances, employees may apply for withdrawing the storage balance in the housing provident fund account:

(a) employees and their spouses have no own housing and rental housing in this city;

(two) the purchase, construction, renovation and overhaul of self-occupied housing (including self-occupied housing in old residential areas without elevators);

(3) Repaying the principal and interest of the house purchase loan;

(four) is included in the scope of the minimum living guarantee for local urban residents;

(five) in case of emergencies, causing serious difficulties in family life;

(6) retirees;

(seven) have left the country to settle down;

(eight) dead or declared dead;

(nine) in the centralized sealed account management for more than half a year did not continue to deposit;

(ten) was sentenced to punishment, and terminate the labor relationship with the unit;

(eleven) to join the army, go to school, and terminate the labor relationship with the unit;

(twelve) completely lose the ability to work, and terminate the labor relationship with the unit;

(thirteen) other circumstances that are allowed to be extracted according to law.

Chapter III Application Materials and Quotas

Article 8 Employees may withdraw the storage balance in the housing provident fund account in accordance with the provisions in Items (1) to (3) of Article 7 of these Measures. If the balance is insufficient, the spouse may apply for withdrawing the balance stored in the housing provident fund account at the same time, and the total amount withdrawn by both husband and wife shall not exceed the actual total expenditure or the specified amount.

Ninth employees to withdraw housing provident fund, in addition to providing the relevant information stipulated in these measures, they should also provide their identity documents and bank cards; If the spouse withdraws the housing accumulation fund, he should also provide identification, bank card, marriage certificate or household registration book.

If an employee entrusts others to handle the procedures for withdrawing housing provident fund, he shall provide the identity certificate of the entrusted person.

Article 10 The management center shall remit the housing accumulation fund drawn by employees into their personal bank accounts. If an employee dies or is declared dead, the management center will remit the employee housing provident fund to the bank account of the heir or legatee or the bank account of the employee's immediate family (spouse, parents and children) with the consent of the depositor.

Eleventh workers and their spouses in this city without their own housing and rental housing, workers should be paid in full housing provident fund for three months, you can withdraw a housing provident fund to pay rent every year (natural year), and should provide the following information:

(a) to rent public rental housing, provide housing lease contract (or lease certificate) and proof of rent payment.

(two) the rental of commercial housing, provide the certificate issued by the local authorities that the employee and his spouse have no room.

Rental of public rental housing, according to the actual rent charged in full. For renting commercial housing, the annual total withdrawal limit of husband and wife is calculated and determined according to Baoding market rent level and ordinary housing area standard, which is 13500 yuan/year.

Article 12 When employees purchase self-occupied housing, they can withdraw the balance of employee accounts before the month of purchase (including the month), and should provide information such as the purchase contract registered by the real estate department, the purchase invoice or immovable property certificate signed by the selling unit, and the deed tax payment certificate. Fund-raising houses, affordable houses and price-limited houses that cannot issue invoices and deed tax payment certificates can provide receipts for the purchase price.

Article 13 When building or renovating a self-occupied house, employees can withdraw the balance of the housing provident fund account before the month (inclusive) when the construction or renovation is approved, and provide the approval documents and payment vouchers of the planning and construction department for the construction or renovation. If the owner-occupied house is rebuilt, the original certificate of immovable property right shall also be provided.

Workers who overhaul their own houses shall provide the certificate that the house safety appraisal is C or D level issued by qualified institutions, the house ownership certificate, the project budget and final accounts and payment vouchers.

Article 14 Employees who purchase self-occupied housing with loans may apply for withdrawing the balance of the housing provident fund account once a year, and the amount withdrawn each time shall not exceed the current repayment interest, and the accumulated withdrawal amount shall not exceed the total principal and interest of the loan to be repaid, except for the penalty interest incurred after the deadline.

Workers to repay the principal and interest of housing loans, in addition to the city's housing provident fund loans only need to provide my identity, husband and wife relationship documents, other circumstances should also provide loan contracts, current repayment of loan principal and interest documents and other information.

Article 15 If employees withdraw housing provident fund for installing elevators in self-occupied houses in old residential areas without elevators, they can withdraw the balance of housing provident fund accounts before the completion acceptance filing documents are issued in the current month (inclusive), and shall provide information such as immovable property certificate, completion acceptance filing documents, elevator installation invoice, distribution plan, etc.

Sixteenth workers who are included in the minimum living guarantee for local urban residents can withdraw the balance of individual housing provident fund accounts every year, and should provide the minimum living guarantee certificate within the validity period.

Seventeenth workers in case of emergencies, resulting in serious difficulties in family life, you can withdraw the balance of the employee housing provident fund account, and should provide relevant certification materials, the amount of withdrawal does not exceed the total personal expenditure.

Unexpected events refer to natural disasters, accidents, public health incidents and social security incidents that occur suddenly, cause or may cause serious social harm and need to be dealt with by emergency measures.

Eighteenth in line with the provisions of Article 7 (6), (7), (9), (10), (11) and (12) of these measures, you can withdraw all the storage balance in the employee's individual housing provident fund account and cancel the employee's individual housing provident fund account at the same time.

(1) Retired employees shall provide their retirement certificates or approval forms.

Workers who have reached the statutory retirement age but are unable to go through formal retirement procedures can directly apply for housing provident fund in centralized sealed accounts or unit accounts.

(2) If the employees leave the country to settle down, they shall provide relevant information on the cancellation of household registration or settlement abroad.

(three) in the centralized sealed account management for more than half a year and did not continue to deposit in different places, it is necessary to provide a statement that I did not continue to deposit in different places; Should be transferred to the centralized sealed account but not handled in time, and sealed in the unit account for more than half a year, it is also necessary to provide proof of dissolution or termination of labor relations.

Within half a year of centralized sealed account management, you may also apply for withdrawal in accordance with other relevant provisions of these Measures.

(4) If the employee is sentenced to punishment and terminates the labor relationship with the unit, the judgment issued by the judicial department and the document issued by the unit to terminate or terminate the labor relationship shall be provided.

(five) employees who join the army, go to school, and terminate the labor relationship with the unit shall provide the notice of enlistment or admission, as well as the documents issued by the unit to terminate or terminate the labor relationship.

(6) If the employee completely loses the ability to work and terminates the labor relationship with the unit, it shall provide the labor ability appraisal materials recognized by the human resources and social security department at or above the county level and the documents issued by the unit to dissolve or terminate the labor relationship.

Article 19 If an employee dies or is declared dead, his successor or legatee may withdraw all the storage balance in his housing provident fund account, cancel his personal housing provident fund account at the same time, or transfer it to his personal housing provident fund account for further storage.

If an employee dies or is declared dead, it is necessary to provide relevant materials that can identify the employee's death and a notarial certificate issued by the notary department on the right of inheritance or bequest. If there is any dispute over the right of inheritance or bequest, a written judgment, ruling or conciliation statement of the people's court shall be provided.

The withdrawal of the account balance of the deceased or declared dead employee below 1 ,000 yuan (including 1 ,000 yuan) can be exempted from notarization. With the consent of the deposit unit, the immediate family members (spouse, parents and children) of employees can withdraw all the storage balance in their housing provident fund accounts, or transfer them to their immediate family members (spouse, parents and children) personal accounts for further storage.

Chapter IV Other Provisions

Twentieth employees have no housing provident fund loans or loans have been paid off, because of legal disputes, the people's court can enforce the funds in their housing provident fund accounts to repay debts according to law.

Twenty-first employees' housing provident fund has been used for housing provident fund loan guarantee, and can be withdrawn according to regulations after the guarantee is lifted.

Twenty-second employees who meet the conditions for the withdrawal of housing provident fund shall apply to the local sub-center or management department for withdrawal. In the case of complete procedures, the sub-center or management department will handle it on the spot and complete the extraction procedures immediately. Matters that need to be verified shall be informed of the results within 3 working days from the date of accepting the application for extraction; Need to go to the field to verify the application materials, the audit time is not counted. If it is not allowed to withdraw after examination, the sub-center or management department shall inform the applicant and explain the reasons and reasons.

Employees who have objections to the audit opinions of sub-centers or management departments may apply for review. The sub-center or management department shall give a reply within 5 working days.

Twenty-third management center should carry out online extraction business to facilitate the daily business of deposit workers. Online withdrawal services include repayment of principal and interest of housing provident fund loans, hedging repayment, agreed repayment, retirement and resignation, and centralized sealed accounts that have not been paid for more than half a year.

Chapter V Supervision and Responsibility

Twenty-fourth employees to apply for withdrawal of housing provident fund, should meet the prescribed conditions and provide true and effective information. For employees who provide false certification materials to defraud the housing provident fund, the management center shall order them to return the withdrawal funds within a time limit, cancel their housing provident fund housing consumption withdrawal and loan qualifications within five years, and include them in the blacklist of housing provident fund dishonesty. Suspected of committing a crime, it shall be transferred to the relevant departments for handling according to law.

Article 25 If the management center and its staff neglect their duties or engage in malpractices for selfish ends in the operation of housing provident fund withdrawal management, which constitutes a crime, they 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 VI Supplementary Provisions

Twenty-sixth approach by the Baoding city housing provident fund management center is responsible for the interpretation of. Baoding city housing provident fund management center can formulate specific implementation rules according to these measures.

Article 27 These Measures shall come into force on June 65438+February 1 day, 2020, with a validity period of 2 years. The original Interim Measures for the Administration of Housing Provident Fund Extraction in Baoding City (No.8 of the Municipal Housing Finance Committee [2017]) shall be abolished at the same time.

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