How to handle personal housing fund

There are the following ways to handle personal housing provident fund:

1, personal account opening : Contributors bring their own ID card, proof of the previous year's pension insurance contributions or proof of income tax, employment registration certificate or unemployment registration certificate (registration shows that the state of inactivity), bank personal savings account passbook or bank card (need to be handled by the monthly deduction provided by the person), to go to the housing provident fund business counter for account opening Procedures.

2. Unit account opening: the unit operator will bring the unit account opening certificate, the management center's reserved seal, and the operator's ID card to the housing provident fund business counter for account opening procedures.

Personal housing fund payment preparation materials generally include the following:

1, ID card copy: provide the original ID card and make a copy of it, as a personal identification.

2. Copy of household register: provide the original household register and make a copy of it as a proof of household information.

3. Labor contract or employment agreement: used to prove the individual's work unit and position, and to determine the nature of the individual's work and salary level.

4. Copy of payroll card: Provide the original and make a copy of the individual's payroll card, which is used to prove the individual's salary income.

5. Copy of social security card: Provide the original social security card of the individual and make a copy of it, which is used to prove the individual's social security payment.

6, housing purchase contract, title certificate copy: If you are buying a house and applying for a housing fund loan, you need to provide the original housing purchase contract and title certificate and make a copy.

7, personal bank statement: Provide the original personal bank statement and make a copy of it, which is used to prove one's financial status.

8, personal tax certificate: provide the original personal tax certificate and make a copy of it, which is used to prove the individual's tax status.

Consolidating the above, the contribution ratio and the contribution base of the personal housing fund should be set according to the relevant regulations and cannot be changed arbitrarily. At the same time, it is recommended to make timely contributions to the provident fund so as not to affect subsequent operations such as housing fund loans and withdrawals.

Legal basis:

Article 16 of the Regulations on the Administration of Housing Provident Fund

The monthly amount of the employee's contribution to the housing fund is the employee's average monthly salary for the previous year multiplied by the employee's housing fund contribution ratio. The monthly contribution of a unit to a housing fund for an employee shall be the average monthly salary of the employee for the previous year multiplied by the unit's contribution ratio to the housing fund.

Article 17: Newly employed employees shall start to contribute to the housing fund from the second month of their employment, and the monthly contribution shall be the employee's monthly salary multiplied by the employee's contribution ratio to the housing fund. The newly transferred employee shall start to contribute to the housing fund from the date of salary payment by the transferring organization, and the monthly contribution shall be the employee's monthly salary multiplied by the employee's housing fund contribution ratio.

Article 19: The housing fund contributed by an individual employee shall be withheld and paid by his/her unit from his/her salary every month.