1. Housing accumulation fund cannot be paid by oneself as an individual. Housing provident fund is a unit that sets up housing provident fund accounts for employees and pays the provident fund;
2 housing provident fund paid by the unit, individuals are not allowed to pay. To build a household or pay the provident fund, you must have the official seal of the unit finance;
3. As long as the unit does not pay the provident fund, the previous personal account of the provident fund will be closed in the provident fund management center, and it can be withdrawn at retirement age, or transferred to continue to pay, and individuals cannot handle various provident fund businesses.
How many years does the housing accumulation fund need to be paid?
1, the housing provident fund does not stipulate the payment period;
2, working in the unit, units and individuals to bear the housing provident fund into the personal account of the party provident fund, you can buy a house by loan;
3. After retirement, you can withdraw the balance in your personal account at one time. However, there are preconditions for provident fund loans. For example, some places require continuous payment for more than six months.
What is the use of housing provident fund?
1, loan to buy a house. Employees who have continuously paid the housing provident fund in full within the prescribed time limit (generally more than 6 months or 12 months) may apply to the housing provident fund management center for housing provident fund loans when purchasing, building, renovating or overhauling their own houses;
2. Buy a house. Workers who have paid in to buy self-occupied housing can apply for withdrawal of the balance in the housing provident fund account, and the withdrawal amount cannot exceed the purchase amount. When buying a house, you can also withdraw your spouse's housing provident fund;
3. Withdraw and repay housing loans. The balance in the housing provident fund account can be used to repay housing loans, including commercial housing loans, provident fund loans and portfolio loans. Employees who handle the withdrawal and repayment of provident fund may apply for entrusted repayment, that is, entrust the provident fund center to withdraw the storage balance in the housing provident fund account for the repayment of individual housing loans;
4. Withdraw and pay the rent. Workers who have no self-owned housing or rented housing after paying the housing provident fund and have paid the housing provident fund in full and continuously for a specified period (usually 3 months) may apply for withdrawing the balance in the housing provident fund account to pay the rent;
5. Decorate the house. Workers who have paid the housing provident fund can apply for withdrawing the amount in the housing provident fund account for housing renovation, or apply for housing provident fund renovation loans.
Legal basis: Article 15 of the Regulations on the Administration of Housing Provident Fund.
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 through the formalities for the establishment or transfer of employee housing provident fund accounts.
Article 16
The monthly deposit amount of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.
The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the deposit ratio of housing provident fund of the unit.