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Personal application for housing provident fund deposit operation guide

First, the basis for handling

In order to strengthen the management of housing provident fund and standardize the collection business of housing provident fund, these operational guidelines are formulated according to the Regulations of the State Council Municipality on the Management of Housing Provident Fund and the Operating Rules for Housing Provident Fund Deposit in Wuhu City, combined with the actual situation of this Municipality.

Second, the handling conditions

All individual industrial and commercial households and their employees who pay social insurance for individuals in our city, and freelancers (hereinafter referred to as individual payers) who have not reached the statutory retirement age (men under 60 years of age and women under 55 years of age) can apply to pay housing provident fund in their own name (hereinafter referred to as individual payers).

(a) the monthly deposit base is approved according to the applicant's personal social insurance payment base. It shall not be higher than the upper limit of the social insurance premium payment base of the year announced by our city (provincial unified payment base), nor shall it be lower than the lower limit of the social insurance premium payment base of the year announced by our city. 20 16: the minimum deposit base is 2849 yuan, and the upper limit is 4748 yuan.

The deposit ratio of individual application for housing provident fund is 5% ~ 12%.

The monthly deposit amount is 2 times the monthly deposit base of individual housing provident fund multiplied by the deposit ratio of housing provident fund.

(two) information required for individuals to apply for housing provident fund deposit:

1. Fill in the Registration Form for Establishing Individual Accounts of Wuhu Housing Provident Fund (in quadruplicate).

2. Individual industrial and commercial households and their employees: provide ID cards and "Personal Social Insurance Payment Certificate for Employees in Wuhu City" (original and photocopy);

3. Freelancers (including foreign registered permanent residence): provide ID card and "Wuhu Employee Personal Social Insurance Payment Certificate" (original and photocopy);

4. Resigned employees who have applied for housing provident fund loans or housing provident fund discount loans (loans have not been paid off): provide ID cards (original and photocopy).

(3) Personal application process for housing provident fund:

1. The individual depositor shall, according to the principle of territorial management, go to the business window of the local housing provident fund management institution to register the housing provident fund deposit, and then go to the designated Yangzi Bank outlet to set up the housing provident fund account;

2. After the personal account is established, the individual depositor signs an entrustment deduction agreement with the remittance bank to handle the debit card or passbook of Yangzi Bank, and the remittance bank handles the remittance by withholding.

(four) matters needing attention for individuals to pay housing provident fund:

1. The deduction time for individual deposit of provident fund shall be handled at the deposit undertaking bank on 25th of each month, and the individual depositor shall deposit the money into the debit card or passbook of the collecting bank before 25th of each month for deduction;

2. Every July, the monthly deposit base of individual housing provident fund can be adjusted according to the change of the annual social insurance premium payment base;

3. If the contact address, telephone number, bank card and other information of individual depositors are changed, they must go to the remittance bank to handle the information change procedures in time;

4. If the individual depositor has opened a personal provident fund account in the original unit and it has been sealed and there is still a balance in the account, he shall go through the transfer formalities at the business window of the local housing provident fund management institution with the Wuhu housing provident fund transfer notice issued by the original unit;

5, individual depositors for housing provident fund loans, in addition to national regulations, policy adjustments and retirement, must continue to pay the provident fund in accordance with the monthly deposit amount determined at the time of the loan, and may not stop paying or reduce the monthly deposit amount.

6. After handling the housing provident fund loan, the individual depositor may apply to increase the monthly deposit amount of the provident fund to the monthly repayment amount of the provident fund loan, and handle the entrusted transfer repayment business of the housing provident fund.

Third, processing time.

Handle individual application for housing provident fund deposit business on normal working days every month.

4. Consultation address and telephone number.

Wuhu Housing Provident Fund Collection Business Tel: 12329