Chapter I General Provisions
Article 1 In order to strengthen the management of housing provident fund, standardize the extraction of housing provident fund, ensure the use direction of housing provident fund, give full play to the role of housing provident fund system, and protect the legitimate rights and interests of workers, these measures are formulated in accordance with the relevant provisions of the Regulations on the Management of Housing Provident Fund in the State Council and the Regulations on the Management of Housing Provident Fund in Henan Province, and combined with the actual situation of our city.
Article 2 These Measures shall apply to the extraction and management of housing provident fund within the administrative area of this Municipality.
Third city housing provident fund management center (hereinafter referred to as the supervisor)
Chapter II Extraction Conditions
Article 4 Under any of the following circumstances, employees may withdraw the storage balance in the housing provident fund account:
Purchase, construction, renovation or overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income;
(seven) after the termination of labor relations with the unit, it has not been re-employed for three years;
(eight) the account moved out of the administrative region of this province;
(nine) other circumstances stipulated by the housing provident fund management committee.
Article 5 If an employee dies or is declared dead during his/her service, his/her heirs and legatees may withdraw the storage balance in the employee's housing provident fund account. If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Article 6 If the employees themselves, their spouses and children who have no financial resources suffer from serious diseases and disasters, resulting in particularly difficult family life, the balance stored in the employees' housing provident fund account can be withdrawn after investigation.
Article 7 When employees who have paid housing provident fund purchase, build housing, repay housing loans and pay rent, if the balance in their housing provident fund accounts is insufficient, they can withdraw the balance in their spouses', parents' and children's housing provident fund accounts, but only with the written consent of the person to be withdrawn.
Article 8 If an employee meets the extraction conditions stipulated in these Measures and has a personal housing provident fund loan in the management center, the extracted housing provident fund shall be used to repay the principal and interest of the personal housing provident fund loan in priority.
Chapter III Withdrawal Limit
Article 9 Employees who purchase, build, renovate or overhaul their own houses can withdraw the balance of housing provident fund within one year after the signing of the purchase contract, and withdraw it within one year after the purchase, construction, renovation and overhaul of their own houses are approved, but it shall not exceed the cost of purchase, construction, renovation and overhaul of their own houses.
Article 10 When repaying the principal and interest of the house purchase loan and withdrawing the employee housing provident fund, the withdrawal amount shall not exceed the principal and interest of the house purchase loan.
Eleventh when the rent exceeds the prescribed proportion of family wage income, the withdrawal amount shall not exceed the actual rent paid.
Twelfth place 1 retired; 2. Completely lose the ability to work and terminate the labor relationship with the unit; 3. Go abroad to settle down; 4. After terminating the labor relationship with the employer, he has not been re-employed for three years; 5 accounts moved out of the administrative region of this province; If an employee dies or is declared dead during his/her employment, he/she may withdraw all the storage balance in his/her housing provident fund account and cancel his/her personal housing provident fund account.
Chapter IV Extraction of Vouchers
Thirteenth extraction of housing provident fund must provide the original identity card and a copy. When employees withdraw housing provident fund from their spouses, parents or children at the same time, they should provide the original and photocopy of the relevant kinship certificate (marriage certificate or household registration book, etc.). ) and the original and photocopy of their respective ID cards, and the relevant personnel personally signed a written opinion on the withdrawal of housing provident fund.
Fourteenth purchase, construction, renovation, overhaul occupied housing, according to the following requirements issued by the relevant documents:
(a) the purchase of commercial housing, affordable housing, housing property supervision departments to provide the registration of the "commercial housing sales contract" or "affordable housing sales contract" and a copy of the original, down payment notes; If the house payment has been paid, the original and photocopy of the registered house purchase contract and full invoice shall be provided.
(two) the purchase of second-hand housing, provide the original and photocopy of the real estate sales contract, the original and photocopy of the deed tax payment certificate.
(three) to buy public housing, provide the original and photocopy of the contract for the sale of public housing and the approval form for the purchase of public housing by employees.
(four) the construction of self-occupied housing, provide the original and photocopy of the approval documents (land use certificate, construction project planning permit, construction permit) of the land administrative department at or above the county level.
(5) For the renovation and overhaul of owner-occupied housing, the approval document (construction project planning permit) of the planning administrative department at or above the county level and the original and photocopy of the real estate license shall be provided.
Fifteenth retired, provide the original and photocopy of the retirement certificate or the original and photocopy of the retirement approval form.
Article 16 In case of complete loss of labor ability and termination of labor relations with the unit, the original and photocopy of the certificate of termination of labor relations by the unit, the certificate of hospitals at or above the county level and the "Appraisal Form of Labor Ability of Injured Workers in Puyang City" issued by the Puyang Municipal Labor Appraisal Committee shall be provided.
Article 17 For those who leave the country to settle down, the original and photocopy of the certificate of leaving the country to settle down shall be provided.
Eighteenth to repay the principal and interest of the house purchase loan, provide the original and photocopy of the house purchase contract, loan contract and proof of the balance of the house purchase loan.
Nineteenth rent exceeds the prescribed proportion of family wage income, provide proof of housing lease, housing lease contract, tax invoice for the actual payment of rent, and the original and photocopy of the payroll issued by the unit. Twentieth after the termination of labor relations with the unit, not re employment for three years, provide proof of termination of labor relations, unemployment certificate. Twenty-first accounts to move out of the administrative region of this province, provide the original and photocopy of the account migration certificate issued by the public security organ. Article 22 If an employee dies or is declared dead, his successor or legatee shall provide the employee's death certificate and the original and photocopy of the notarial certificate of inheritance or bequest right issued by the notary department. If there is any dispute over the right of inheritance or bequest, a written judgment, ruling or conciliation statement of the people's court shall be provided. Chapter V Withdrawal Procedures Article 23 Employees shall apply to the unit for withdrawal of housing provident fund on the basis of withdrawal vouchers. The unit shall verify and affix its official seal. Twenty-fourth workers with the extraction certificate and Puyang City Housing Provident Fund Management Center "approval form for the extraction of housing provident fund", to the management center, management department or sub-center where the unit has paid housing provident fund to apply for the extraction of housing provident fund. The management center or management department or sub-center shall make a decision on whether to approve the withdrawal within two working days from the date of accepting the application, and notify the applicant. Twenty-fifth approved extraction, workers with identity cards, to the management center or management department, sub-center for extraction procedures. If extraction is not allowed, the applicant shall be informed of the reasons for not allowing extraction. Chapter VI Supervision Article 26 The management center and employees have the right to urge the unit to check the withdrawal certificate of employee housing provident fund and go through the withdrawal procedures of housing provident fund according to the regulations. The management center has the right to order the unit to make corrections within a time limit, and those who refuse to make corrections and cause losses to the management center and employees shall be dealt with in accordance with relevant laws and regulations. Twenty-seventh units issued false proof of housing provident fund for employees, shall be punished by the management center in accordance with relevant laws and regulations. Twenty-eighth management center and its staff in violation of the provisions of these measures, dereliction of duty, corruption, which constitutes a crime, shall be investigated for criminal responsibility according to law; If it does not constitute a crime, it shall be given administrative sanctions according to law; If losses are caused to the housing accumulation fund, it shall be liable for compensation according to law. Chapter VII Supplementary Provisions Article 29 The sub-centers and county (district) management departments under the jurisdiction of the management center shall handle the housing provident fund withdrawal business in accordance with the provisions of these Measures within the scope authorized by the management center. Thirtieth these Measures shall come into force as of the date of issuance.