First, the conditions for the withdrawal of housing provident fund
1, only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans;
2, apply for a loan before the continuous deposit of housing provident fund for not less than six months;
3. One of the spouses has applied for a housing provident fund loan, and neither spouse can obtain a housing provident fund loan until the principal and interest of the loan are paid off;
4. When applying for housing provident fund loans, the loan applicant must have relatively stable economic income and repayment ability, and there is no outstanding debt that may affect the repayment ability of housing provident fund loans;
5. The term of the provident fund loan shall not exceed 30 years.
2. How do individuals pay the provident fund?
1. If an individual is an individual industrial and commercial household, he can pay the provident fund for himself, because the relevant laws stipulate that individual industrial and commercial households can pay the provident fund for themselves.
2. If the individual is an employee of the company, if the company is in arrears with the provident fund project, the parties can try to communicate with the company leaders about the payment of the provident fund, but if the company cannot pay for the parties, the parties can pay all by themselves.
3. If an individual is unemployed and works in WeChat business or Taobao, it is impossible to pay the provident fund if the party is not a unit occupation or individual industrial and commercial households. In this case, the parties can only pay their own provident fund through the affiliated unit.
Three. Housing accumulation fund deposit procedure
1. registration of deposit: the unit shall go to the housing provident fund management center (hereinafter referred to as the center) to register the deposit of housing provident fund.
2. Bank account opening: After being audited by the center, the depositor will go to the entrusted bank to handle the procedures for setting up the housing provident fund account for his employees.
3. Monthly deposit: the housing accumulation fund is paid monthly. The housing provident fund paid by individual employees shall be withheld and remitted from their wages every month by the unit where they work; The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.
4, urban individual industrial and commercial households and freelancers deposits according to the above procedures.
Four. Transfer and storage of provident fund
1. In case of merger, division, cancellation, dissolution, bankruptcy, etc. of the unit, the original unit or liquidation organization shall handle the change or cancellation of registration at the center within 30 days from the date of the above-mentioned situation, and hold the audit documents of the center within 20 days from the date of completing the change or cancellation of registration, and go to the entrusted bank to handle the transfer or sealing procedures of the housing provident fund account for its employees.
2. Where the unit terminates the labor relationship with the employee, the unit shall go through the formalities of change registration at the center within 30 days from the date of termination of the labor relationship, and go through the formalities of transfer or sealing of the employee housing provident fund account at the entrusted bank with the audit documents of the center.
legal ground
Regulations on the administration of housing provident fund
Article 16 The monthly deposit amount of employee housing provident fund shall be 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 proportion of housing provident fund paid by the unit.
Eighteenth employees and units housing provident fund deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.