What does it mean to apply for housing provident fund at the counter?

Counter is the basic level 2 1 13 work of financial institutions, which can also be called teller and is the most basic counter service. It is one of the most important financial services (526 1) and the source and foothold of all financial services. Whether the counter service quality satisfies customers directly affects the 4 12 social image of financial institutions.

Cashier, referred to as teller, is a general term for bank counter staff. The front desk teller (1653) is responsible for the counter business operation, version inquiry and consultation directly facing customers. The back-office teller is responsible for handling the business rights of inter-bank banking, bill exchange, internal accounting, etc., which do not face customers, as well as the follow-up processing such as audit, confirmation and authorization of front-office business. Cancel the withdrawal of provident fund means that as long as one of the following conditions is met, the storage balance in the employee housing provident fund account can be withdrawn:

(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 rent exceeds the prescribed proportion of family wage income. According to the previous paragraph

Item (4) stipulates that if employee housing provident fund is withdrawn, the employee housing provident fund account shall be cancelled at the same time. Today, I learned from the Housing Provident Fund Administration of Hainan Province that in order to continuously optimize the business environment, it is convenient for units and paid employees to handle it with one click and further simplify the provident fund business materials. The Provincial Housing Provident Fund Administration has made it clear that when employees handle housing provident fund business, personal ID cards and bank cards are no longer needed for counter business.

In order to optimize and improve the business handling system, the Provincial Housing Provident Fund Administration has begun to promote the centralized optimization and upgrading of the business function settings of the system 17. Comprehensively strengthen the real-name authentication mode of brush face, close the third-party CA certificate authentication mode in time, and reduce enterprise expenses; Implement electronic seal technology in all aspects of business such as certificates of deposit, collection agreements and loan contracts, and reduce all kinds of certification materials in an all-round way; Increase the functions of online deposit of flexible employees and automatic payment calculation of units, and reduce the processing steps; Explore the use of big data networking intelligent computing, expand the scope of data enjoyment, and gradually realize the automatic review and independent handling of retirement, loan repayment and house purchase.

It is understood that after pressure reduction adjustment and system optimization, the business processing materials of item 3 1 are directly simplified. At the same time, efforts should be made to realize the integration of enterprise registration and the opening and deposit of housing provident fund. Individuals and managers of enterprise account opening units register enterprises through the "Hainan e-registration" platform, and simultaneously register the accounts of housing provident fund units to realize the "zero" materials of this kind of collection business. It is worth mentioning that in order to further simplify the business materials of employees, it is clear that the counter business no longer needs employees' personal ID cards and bank cards. If one spouse uses a house to handle the signing formalities, the spouse must choose this house to apply for signing, and the extraction order is determined according to the signing time of the employee and his spouse.

Support bank

At present, the City Housing Provident Fund Center has established a commercial loan information investigation mechanism with/kloc-0 commercial banks such as Industrial and Commercial Bank of China, Agricultural Bank, China Bank, China Construction Bank, Bank of Communications, Industrial Bank, China CITIC Bank, China Merchants Bank, Minsheng Bank and Wuhan Bank.

In addition, the city housing provident fund center will further expand the scope of cooperation of commercial banks, continuously simplify the withdrawal procedures, expand service channels, and facilitate individuals to withdraw and use housing provident fund.

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