Social security, housing fund in the end what is the use

I. Social Security:

Social insurance is a social and economic system that provides income or compensation to a population that is incapacitated, temporarily out of work, or has suffered a loss due to health reasons. The main programs of social insurance include pension insurance, medical insurance, unemployment insurance, work injury insurance, and maternity insurance.

Social insurance scheme is organized by the government, which forces a certain group of people to form a social insurance fund by paying a part of their income as social insurance tax (fee), and the insured can get a fixed income or compensation for loss from the fund if certain conditions are met, it is a redistributive system, and its goal is to ensure the reproduction of material and labor force and the stability of the society.

In our country, social insurance is an important part of the social security system, which is at the core of the whole social security system. In addition, social insurance is a kind of contributory social security, the funds are mainly paid by employers and workers themselves, and the government financial subsidies and bear the ultimate responsibility. But workers can only enjoy the corresponding social insurance benefits if they fulfill the legal obligation to pay contributions and meet the legal conditions.

Two, housing fund:

1, housing fund, refers to state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees, reciprocal contributions to long-term housing savings.

2, nature

(1) security, the establishment of the employees' housing fund system, for employees to solve the housing problem faster and better to provide protection;

(2) mutual assistance, the establishment of the housing fund system can effectively establish and form the mechanism and channels of the housing workers to help the homeless workers, and housing fund in the financial aspects of the housing workers to provide assistance to the homeless. Reflects the mutual assistance of the employee housing fund;

(3) long-term, every urban working employee since the date of joining the work until retirement or termination of labor relations of this period of time, must pay individual housing fund; the employee's unit should also be in accordance with the provisions of the subsidy for the employee to contribute to the housing fund.

Expanded information

A social security card, is the unified planning by the Ministry of Labor and Social Security, issued by the local labor security departments for the community, used in the field of labor and social security business integrated circuit card (IC card).

The social security (personal) card is issued to urban workers, the unemployed and retired persons, and the social security (employer) card is issued to employers.

The Ministry of Human Resources and Social Security (MOHRSS) said it will take about five years to make social security cards generally have financial functions. Hu Xiaoyi, vice minister of the Ministry of Human Resources and Social Security (MOHRSS), told a news conference at the State Council Information Office on August 30, 2011, that the social security card adopts a unified national standard, and that the social security number adopts the citizen identity number in accordance with the relevant provisions of the Social Insurance Law.

To correctly understand the concept of social security card, it is also necessary to be clear about the relationship between the social security card and other industry IC cards, especially with bank cards.

Since the social security card contains a "personal account" for the cardholder to settle the bill at the hospital, which is similar to the "electronic wallet" of a bank card, some regions or manufacturers have adopted the standards of bank cards to design social security cards. The bank card standard is a specification formulated for the application of bank cards, and its file storage format, command operation, security management and other aspects are designed for various transaction behaviors related to finance. The IC card issued in the field of labor security is mainly used for administrative management, and its main function is to manage information records, which is very different from the function of bank cards.

Social security card in the "medical insurance personal account" is also with the bank card in the "electronic wallet" there is a fundamental difference, it records the personal account in the "account" of the situation, rather than the real "account". It is a record of the "account" in the individual account, not the actual "money".

After the cardholder transfers the balance of the individual account to the card, the health insurance organization is still responsible for the use of the account, even if the cardholder's card is lost or damaged, as long as the funds on the individual account are not fraudulently used by others prior to the loss of the card, it will still belong to the cardholder? Social Security card face.

All, can still use this part of the account for medical consumption. The electronic wallet in the bank card once the user will be ringing up the money deposited into the card, the money will have no relationship with the bank, once the card is lost, damaged, its loss is entirely borne by the cardholder.

Therefore, health insurance personal accounts should never be handled using the e-wallet model. There are also some places that put social security applications and financial applications on a single card, for which it is not advocated, because the integration of commercial and management applications on a single card will cause many drawbacks in management, will bring much inconvenience to the cardholder and the management organization, and even cause losses to the cardholder.?

Housing Provident Fund:

I. Application Requirements

1. Individual urban workers and their units must have paid housing provident fund continuously for one year.

2, the borrower to buy commercial housing, there must be no less than 30% of the total housing price of self-financing funds as a down payment for housing.

3. The borrower must have stable financial income, good credit, and the ability to repay the loan principal and interest.

4. If both husband and wife make normal and full contributions to the housing provident fund, only one of them is allowed to apply for a housing provident fund loan.

5. A family can only apply for one Housing Provident Fund loan to purchase one housing unit at the same time.

6. Loan borrowers must have a permanent residence in the city or town of the province (city) or a valid residence status.

7. Agree to use the purchased housing as collateral.

2. Required documents

1. Valid identification of the borrower and spouse (if any), household register (the second-generation ID card needs to be copied on the back page, and the household register should be copied on the title page, the main page of the household, and the pages of the borrower and spouse).

2, proof of marriage: unmarried by the marriage registry where the household register issued a single certificate; divorced provide proof of divorce and proof of not remarried (divorce certificate, court judgment or ruling, not remarried certificate issued by the marriage registry where the household register); married provide a marriage certificate.

3. The original copy of the purchase contract signed between the borrower and the unit selling the house.

4, the borrower himself and his spouse (married) *** with the completed loan application form, the unit issued by the certificate of payment of housing provident fund, proof of salary and income, the borrower's bank card in the last year of the flow.

5, the borrower first delivered to the selling unit no less than the down payment receipts as stipulated in the agreement.

Three, processing steps

1, the borrower puts forward a written application for a loan and submits the relevant information, either to the lending bank, which accepts the application and submits it to the Housing Provident Fund Management Department for approval, or applies directly to the Housing Provident Fund Management Department and waits for the approval;

2, the borrower who has passed the approval of the Housing Provident Fund Management Department, signs a The borrower will sign a loan contract and a guarantee contract with the lending bank and go through the relevant procedures such as mortgage registration, insurance and notarization;

3. The lending bank will transfer the loan in one or several installments into the special account for the sale of properties set up by the developer in the lending bank or directly into the deposit account opened by the borrower in the lending bank as agreed in the loan contract;

4. The borrower will open a repayment account in the lending bank, and will make repayments in the manner and under the repayment plan as agreed in the loan contract. The borrower will open a repayment account in the lending bank and return the principal and interest of the loan on schedule according to the repayment method and repayment plan agreed in the loan contract;

5. After the loan is settled, the borrower will get the "loan settlement certificate" from the lending bank, retrieve the mortgage registration documents and the original insurance policy, and go to the original mortgage registration department to handle the formalities of mortgage registration cancellation.

Reference:

Chinese social security network - People's Republic of China *** and the country's social security card; Baidu encyclopedia -