In Beijing, how to deal with the interruption of the provident fund for three months after leaving the company? Can I make it up myself?

In Beijing, how to deal with the interruption of the provident fund for three months after leaving the company? Can I make it up myself? The payment of housing provident fund must be the behavior of the company, and individuals cannot pay it. It can only be paid in the name of a company with a provident fund account. .

Whether the new unit can help you or not depends on the attitude of the unit or the attitude of the specific staff.

Discontinuity after interruption does not count. It is only a "continuous" provident fund, which can be paid on time on a regular basis. Five insurances can only be paid by the company, not by Beijing hukou.

Can the original unit's resignation provident fund be replenished after 5 months' interruption? If the employee leaves his job, there is no new employer to pay, and the provident fund account is in a sealed state, so the individual cannot make up the provident fund.

According to the Regulations on the Management of Housing Provident Fund

Thirteenth housing provident fund management center shall set up a housing provident fund account in the entrusted bank.

The unit shall go to the housing provident fund management center for the registration of housing provident fund deposit, and after being audited by the housing provident fund management center, set up a housing provident fund account for its employees at the entrusted bank. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

Fourteenth newly established units shall, within 30 days from the date of establishment, go to the housing provident fund management center for registration of housing provident fund deposit, and within 20 days from the date of registration, set up housing provident fund accounts for their employees at the entrusted bank.

In case of merger, division, cancellation, dissolution, bankruptcy, etc., the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center to handle the change or cancellation of registration, and within 20 days from the date of completing the change or cancellation of registration, go to the entrusted bank to handle the transfer or sealing of the housing provident fund account for the employees of the unit with the audit documents of the housing provident fund management center.

Fifteenth units to hire employees, should be within 30 days from the date of employment to the housing provident fund management center for deposit registration, and with the housing provident fund management center audit documents, to the entrusted bank for the establishment or transfer of employee housing provident fund accounts.

Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.

Can I pay the provident fund in Beijing after I leave my job? I can pay it. If all paid by the municipal government, it will be transferred automatically. If there is a state management and a municipal government, it needs to be transferred manually.

After the interruption of Beijing social security and provident fund, is it effective to pay back? Payment is effective.

Social security payment method:

If it is insured in the name of an individual, if it is missed, it can only be paid back, and five risks can be paid.

If the unit does not declare (does not open an account), it can only pay the pension;

After paying for a period of time, you can find an agent to pay the interruption fee.

If the payer (excluding individuals and freelancers) fails to pay the employee's old-age insurance premium, he shall bring the following materials to the social security agency to handle the case payment of the basic old-age insurance premium:

Employee files and endowment insurance manual;

Application form for payment of basic old-age insurance premium;

Labor contract, salary payment schedule, etc. ;

Other relevant materials.

The amount of housing provident fund paid by the unit can be determined in different ways according to the actual situation:

Units that have never paid housing provident fund shall, in principle, pay back the housing provident fund owed to employees from the month when the Regulations (Order No.262 of the State Council) are issued (1April 1999);

If the unit does not provide employees' wages or employees have objections to the wages provided, the management center can calculate the wages according to the wages approved by the local labor department and the judicial department or the average wages of employees in the previous year published by the municipal statistics department;

The deposit ratio of employees and unit housing provident fund shall not be less than 5% of the average monthly salary of employees in the previous year;

Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee, audited by the people's government at the corresponding level and approved by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government.

The monthly deposit base of urban individual industrial and commercial households and freelancers' housing provident fund is calculated in principle according to the average monthly tax revenue of the depositor in the previous year.

Penalties for failure to handle and overdue payment of housing provident fund by units:

If the unit does not handle the registration of housing provident fund deposit for its employees or the establishment of housing provident fund accounts, the housing provident fund management center shall order it to be handled within a time limit;

Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed;

If the unit fails to pay or underpays the housing provident fund within the time limit, the housing provident fund management center shall order it to pay within a time limit;

If the deposit is not made within the time limit, it may apply to the people's court for compulsory execution.

Can I pay a month's provident fund in the middle? Where can I pay for it? Generally, the provident fund can only be paid by the unit, and the individual cannot pay it, so the payment ratio is directly deducted from the salary.

The payment base of housing provident fund is the average monthly salary of employees in the previous year. This payment base shall not be less than 60% of the local social wage in the previous year and shall not be higher than 300%. The payment ratio is 5%- 12%, and the employer can decide within this range, and the most common one is 8%. Companies and individuals make equal contributions according to the ratio of 1: 1, that is, the company will pay as much as the individual pays.

Due to job changes, the payment of multi-year provident fund was suspended for three months, and now it has been renewed for five months. If it is possible to apply for a provident fund loan, it will take 12 months to pay it back before buying a house with a provident fund loan.

My provident fund was interrupted for three months, and I continued to pay it. Can I get a loan now? According to the spirit of "Regulations on the Management of Housing Provident Fund", you can apply for a loan only after normal continuous deposit. In some cities, it is half a year or one year, and the overdue period is not counted.

If you are not in Beijing after leaving your job, can you withdraw your own provident fund? How to obtain the specific conditions is as follows:

(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;

(five) to repay the principal and interest of the owner-occupied housing loan;

(six) the rent expenditure exceeds 5% of the family wage income;

(seven) living in difficulties, is receiving the city minimum living allowance;

(eight) the occurrence of unexpected events, causing serious difficulties in family life;

(nine) the termination of labor relations between migrant workers and units;

(10) Being sentenced to death, life imprisonment or fixed-term imprisonment, and reaching the statutory retirement age of the state after serving his sentence; (eleven) dead or declared dead;

(12) Other circumstances stipulated by Beijing Housing Provident Fund Management Committee. Therefore, employees who meet the above-mentioned relevant extraction conditions can apply for the extraction of housing provident fund. For the provisions of Article 9, migrant workers refer to employees in agricultural registered permanent residence. If you are an employee with an urban hukou, you can't withdraw the housing provident fund just because you leave your job.

According to the above regulations, there are two situations in which foreigners working in Beijing withdraw their provident fund after leaving their jobs:

1. If you leave agricultural registered permanent residence or agricultural registered permanent residence, you can close your account and withdraw the full amount of the provident fund. He needs to provide his own household registration book and proof of termination of labor relations with the unit, withdraw the savings account number and give it to the original unit manager, who will go through the withdrawal procedures at the account management department.

2. Non-local urban hukou. After leaving the job, non-local urban hukou cannot withdraw housing provident fund through agricultural registered permanent residence. Individuals can only withdraw the provident fund by buying a house (buying a house in the field is also counted) or renting a house.

(1) Materials required for purchasing a house in a different place and withdrawing the provident fund:

One-time payment buyer: provide the purchase contract, purchase invoice, ID card and withdrawal savings account number when withdrawing money. Loan or installment payment: provide purchase contract, loan contract, down payment invoice, ID card and withdrawal savings account number.

Second-hand house buyers: provide the property right certificate and deed tax payment certificate of the completed households, as well as the loan contract, ID card and withdrawal account number, fill in the corresponding documents at the provident fund manager of the original work unit, and then the unit manager will go to the management department for review.

(2) Materials required for renting a house to withdraw the provident fund:

1. Original lease contract; (The lessee must be his own name);

2. Original official lease invoice;

3. Original ID card;

4. The original bank card in my name;

I quit my job in Shenzhen. What should I do with the provident fund? What materials do I need to withdraw the provident fund after I resign?

1. Approval Form for Withdrawal of Housing Provident Fund 1 copy (this form needs to be stamped with the official seal of the company, and the withdrawal amount will not be filled in temporarily).

2. Applicant's ID card (expired ID card, household registration certificate issued by the police station (with photos and stamped with the boarding stamp) or temporary id card, double-sided copy of the second-generation card).

3. Household register of origin (copy home page, home page and personal page of household register)

4 proof of termination of labor relations (proof of unemployment and re-employment issued or provided by the deposit unit)

Withdrawal process of provident fund after resignation

After resigning, withdraw the provident fund to the business hall of the Housing Provident Fund Center to receive the Approval Form for Withdrawal of Housing Provident Fund (in duplicate) and related withdrawal guide or log in and download the Approval Form for Withdrawal of Provident Fund (in duplicate) and understand the relevant policies for withdrawal of provident fund under the service guide;

Check the "Approval Form for Housing Provident Fund Extraction" filled in by the unit (official seal of the unit is required) and relevant extraction materials to the business hall of our center for review;

Those who meet the withdrawal conditions will be transferred to my provident fund card after being audited in the business hall on the first floor of the provident fund center. If it is transferred to the unit settlement account, the provident fund undertaking bank will issue a transfer check the next day.

Matters needing attention in withdrawing provident fund after resignation

Entrusting others to handle the withdrawal of housing provident fund shall provide a power of attorney notarized by a notary public and an agent's ID card; If the unit is centralized and unified, the original ID card of the agent shall be issued; Spouse agents need to extract the identity cards of both husband and wife; Make a copy on A4 paper.

In the case of meeting the extraction conditions, the employee who terminates the labor relationship with the unit shall apply for cancellation of the account and provide valid proof of termination of the labor relationship.

How to transfer the provident fund when Beijing leaves and returns to Zhengzhou? If the employee terminates the labor relationship with the unit due to the expiration of the labor contract or other reasons, you should go through the formalities of transferring the housing provident fund. The specific steps are as follows:

(1) The employee opens a provident fund account in the collection department of the newly transferred unit and provides the account opening certificate;

(2) According to the book balance of employee housing provident fund subsidiary ledger, the transferring unit fills in the Notice of Housing Provident Fund Transfer in quadruplicate and sends it to the collection department for transfer procedures.

Fill in the Notice of Housing Provident Fund Transfer, with the following contents: the full name, unit number and collection department of the transfer-in unit; The name and number of the transferred employee should be consistent with that in the remittance book of the unit; The transfer amount is the book balance of the employee account; Signature (the seal is left in the collection department).

According to "Regulations on the Management of Housing Provident Fund" issued by the State Council, employees leaving their jobs should be sealed up by the original unit, and transferred to the new unit to continue to deposit after they work in the new unit, but they cannot be withdrawn through account cancellation. Only those who meet the withdrawal conditions can apply for withdrawal of individual housing provident fund # Details.

According to the Regulations on the Management of Housing Provident Fund

Article 15

Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center.

Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.