Housing fund refers to the special fund for housing system reform and housing construction raised by national finance and units according to national policies, regulations and financial systems. Housing fund is the funds obtained by enterprises according to the prescribed sources, which have specific purposes and are earmarked for employee housing. Housing fund is a fund that the state requires enterprises to set up in order to ensure and promote the smooth progress of housing system reform, realize housing commercialization and speed up housing construction. The repayment time of housing provident fund is generally above 1 year, and it becomes a long-term debt of the enterprise before it is settled. The sources of enterprise housing working capital mainly include: the main sources of housing working capital are: rental income of self-run and entrusted housing, net income of housing sales collected by enterprises, housing lease deposit collected by enterprises, housing funds allocated by higher authorities, interest on housing funds of enterprises, etc. The housing funds obtained by housing provident fund enterprises from various aspects are mainly used for: paying housing provident fund, housing subsidies and housing difficulties subsidies provided by enterprises according to regulations, maintenance and management expenses of enterprise housing, repayment of housing loan principal and interest, housing lease deposit and other housing expenses. The expenditure arranged by the enterprise for housing cannot exceed the total amount of the enterprise housing fund. The depreciation of employees' housing, the funds used for housing in the public welfare fund and the borrowed housing funds cannot be used for expenses. [Edit this paragraph] Content Housing fund includes: housing provident fund, housing subsidies and housing construction funds allocated by the financial budget of housing fund and the financial special account of extra-budgetary funds; Self-run housing rental income; Income from the sale of retained houses of the unit; Employee housing provident fund and other housing funds extracted in accordance with state regulations; Part of the housing facilities and equipment maintenance fund extracted from the unit sales income; Transfer building depreciation, maintenance and repair funds; Housing funds allocated by higher authorities, etc. Treatment conditions 1. First, the unit where you work gives you a provident fund, and then you have a provident fund account; 2. Your provident fund account number needs to be continuously deposited in the relevant procedures required by the housing provident fund 12 months or more. You only need to prepare 1, your provident fund account number 2, the company's provident fund account number 3, the monthly deposit amount 4, the deposit ratio 5, and the deposit place of the provident fund. Funds and public welfare funds for housing pension, borrowed housing funds and housing working capital. Misunderstandings Consumers should avoid the following misunderstandings when using housing provident fund to buy a house. Misunderstanding 1 of housing provident fund: provident fund can be down payment. "The provident fund cannot be directly used as a down payment for buying a house." Chongqing bank financial experts said that if citizens want to buy a house through housing provident fund loans, they need to spend first and then withdraw, that is, pay the down payment first, and then bring their own or husband's ID card, household registration book, marriage certificate and other supporting materials to the local housing provident fund management center to withdraw the storage balance in their provident fund. Myth 2: The total amount of withdrawal can exceed the total amount of house payment. The total withdrawal of the provident fund cannot exceed the total house payment. For example, a citizen can only withdraw 300,000 yuan from the provident fund, and the remaining 6,543,800 yuan cannot be withdrawn. Myth 3: You can't buy a house with the provident fund if you settle the provident fund loan. The financial expert of Chongqing Bank said that one of the husband and wife had applied for provident fund loans before or after marriage, and there would be corresponding records in the provident fund center system. Before the last loan is paid off, the husband and wife can no longer use the provident fund loan to buy a second suite. However, the first home provident fund loan has been settled, and if the husband and wife use the provident fund loan to buy a house again, it is still regarded as the first home and is not restricted by the second home policy. Personal Account According to the policies and requirements of the state and local governments on housing system reform, China Construction Bank accepts the entrustment of local housing fund management departments, and the housing funds handle the establishment, deposit, withdrawal, settlement, inquiry and reconciliation of housing fund accounts for employees (owners) according to the entrustment agreement. Including: (1) housing accumulation fund account: the long-term housing savings paid by each unit and its employees according to the specified proportion or amount shall be owned by the employees themselves; (2) Housing subsidy account: the housing subsidy paid by the monetized housing subsidy unit to employees according to the specified proportion or amount is used for housing consumption and included in the employee's personal account; (3) Housing maintenance fund account: special housing funds for housing property maintenance paid by individual owners of commercial housing, public housing selling units and employees according to a certain proportion or amount. The personal account of housing provident fund bears interest on an annual basis, and June 30th is the interest settlement date. It is divided into two parts: current year's collection and previous year's carry-over. The current year's collection bears interest at the deposit interest rate listed on the interest settlement date, and the previous year's carry-over bears interest at the deposit interest rate of three months lump-sum deposit listed on the interest settlement date. The customer operation process of personal account of housing provident fund is as follows: ① Opening an account. Individual workers belong to the unit, according to the provisions of the housing fund management department for deposit registration, to the Construction Bank for housing fund unit account and personal account establishment procedures. ② Verification and storage. Units or owners regularly (monthly) to the construction bank to submit the deposit certificate and employee personal inventory, the construction bank approved the deposit amount and the number of people, and go through the formalities for the deposit of funds. ③ Extraction and use. Individual employees submit the application materials for extraction, and after the approval of the subordinate units or the housing fund management department, the Construction Bank will handle the fund transfer procedures for employee customers. 4 transfer money. Workers are transferred due to work and other reasons. The transfer-in unit submits an application for account transfer for individual employees, and after being approved by the housing fund management department or audited by the Construction Bank, it handles the account transfer and change procedures for individual employees. ⑤ Account sealing. The unit where the individual employee works submits a list of personal account changes for the employee, and after being audited by the Construction Bank, the individual account of the housing provident fund will be sealed for the employee customer. ⑥ Cardinal adjustment. The unit to which the employee belongs shall submit the stock of the employee's personal account for adjusting the base. After verification, the Construction Bank shall go through the formalities of adjusting the deposit base of employee housing provident fund personal accounts. ⑦ Interest settlement reconciliation. The Construction Bank shall settle interest on individual accounts of employees according to regulations and requirements, and regularly check the access of individual accounts of housing funds with customers. ⑧ Account inquiry. The Construction Bank issues dragon cards and special passbooks for housing funds to individual employees, and individual employees go to the outlets of the Construction Bank to inquire about personal accounts of housing funds or use the electronic channels of the Construction Bank for self-inquiry.