First, there are generally two situations in which the provident fund account is frozen: the freezing of dishonesty and the freezing of assisting the court.
1. Freezing provident fund accounts due to dishonesty: refers to freezing employee housing provident fund accounts due to dishonest behaviors such as fraudulent withdrawal and fraudulent loans. Freeze the account for 2-5 years as appropriate.
During the freezing period, employees' housing provident fund accounts shall not be withdrawn or personal information changed. Employees and their spouses are also not allowed to apply for housing provident fund loans and withdraw repayment contracts. However, before the breach of trust is frozen, if the untrustworthy person has outstanding housing provident fund loans, he can still apply for housing provident fund repayment business, including direct repayment business and contract repayment business.
2. Assisting the court to freeze: Assisting the court to freeze the housing provident fund means that the people's court assists the court to freeze the housing provident fund account of the person subjected to execution because of the need of property preservation and execution of the case. The people's court shall decide the freezing period according to the progress of the case. It is also impossible to apply for loans and cancel repayment contracts.
Second, the recommended operation is as follows:
If the employees who have gone through the formalities of sealing the provident fund account are re-employed, the new unit will re-establish the housing provident fund account for the employees within 30 days from the date of establishing labor relations with the employees, and go through the formalities of unsealing and transferring the original sealed account.
Workers who have not been re-employed within two years or have reached retirement age can wait until the handling bank applies for unsealing, withdrawal and cancellation with the proof of accumulation fund storage, unemployment certificate and ID card.
There are similar regulations in various places. For details, you need to check the policies of the local housing provident fund management center.
Third, what is the provident fund?
The monetization form of housing distribution generally refers to housing accumulation fund.
Housing accumulation fund refers to the long-term housing savings paid by 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.
From July, 2065438 to July, 2007, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform according to the requirements issued by the Ministry of Housing and Urban-Rural Development. On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on. In 20021year, all the businesses of the national housing provident fund operated smoothly, with the housing provident fund deposit of 2.915.687 billion yuan and the housing provident fund withdrawal of 6610.2103 million yuan for ten thousand people.
To sum up, you can still handle the loan repayment business from the housing provident fund, including direct loan repayment business and contract withdrawal loan repayment business.
Legal basis:
Article 26 of the Regulations on the Management of Housing Provident Fund
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.