Attention workers! Since May, there have been new changes in the provident fund policy! Once the violation is not allowed to apply for provident fund withdrawal and loan application within 5 years, you must not be careless!
What's going on? Let's take a look with Yu Xiaobao~
Beijing
Intensify the review of provident fund withdrawals!
Policy Priorities:
In order to further standardize the withdrawal of housing provident fund in Beijing and crack down on illegal intermediaries, on May 6, the Beijing Housing Provident Fund Management Center issued the "Notice on Further Carrying out the Work Related to the Illegal Withdrawal and Governance of Housing Provident Fund".
It stipulates that Beijing will intensify the review of 8 withdrawal situations such as "two or more transactions of the same house within 12 months", and employees who have such circumstances need to go to the management department with application materials for on-site processing.
Once an employee is found to have any of the following illegal withdrawals, he or she will not be allowed to withdraw or take out a loan for 5 years.
If an employee applies for the withdrawal of housing provident fund under the following circumstances, the employee shall be required to go to the management department for on-site handling with the withdrawal application materials:
- Two or more transactions of the same dwelling within 12 months;
- The same person has two or more changes in marriage within 12 months;
- Purchasing a house that is not a place of household registration or a place of deposit;
- The proportion and area of the purchased housing property rights do not meet the requirements for self-occupation;
- The price of the purchased housing deviates significantly from the market level;
- Non-spouses, parents, and children who purchase a house together;
- Failing to pay social insurance in the city and moving the housing provident fund account into the city;
- Other questionable extractions.
The Beijing Housing Provident Fund Management Center said that since the implementation of the housing provident fund system, while the withdrawal and use have increased significantly, some intermediaries have induced employees to withdraw the housing provident fund by means of falsifying supporting materials, fictitious rental and house purchase consumption behaviors, etc., and the violations are also breeding.
In the above context, the "Notice" makes it clear that the acceptance department will increase the review of the extracted materials, and conduct a comprehensive review of the authenticity of the identity and household registration, real estate transactions, social security, marriage registration, housing loans and other materials; For those who provide material information from other provinces and cities, cross-local cooperation will be carried out to verify the authenticity of the information.
While intensifying the review, the punishment for illegal extraction will also be strengthened. For employees who withdraw housing provident fund in violation of regulations, the Beijing Housing Provident Fund Management Center will order them to refund the amount withdrawn in full in violation of regulations, record their personal information in the bad information database, and will not apply for housing provident fund withdrawal or housing provident fund loan application within 5 years.
Original Policy:
https://gjj.beijing.gov.cn/web/zwgk61/_300587/_300704/zfgjjgjzc/436435835/index.html
Guiyang City
Verify the provident fund contribution base and random checks!
Policy Priorities:
1. Each depositing unit shall verify the contribution base of the housing provident fund for employees every year in accordance with the regulations, and pay the housing provident fund for employees on time and in full, and shall not pay late or underpaid. If the contribution base and monthly contribution amount of the employees of the depositing unit are inconsistent with the provisions of Articles 11 to 15 of the "Guiyang Housing Provident Fund Contribution Management Measures", the contribution base shall be adjusted in a timely manner.
Second, the Municipal Housing Provident Fund Center will conduct spot checks on the payment of housing provident funds by the city's depositing units, and the inspected units shall truthfully provide information related to the payment of housing provident funds such as employment and wages, financial statements, etc., and actively cooperate with the inspection.
Account Creation, Change, and Closure
The newly established unit shall, within 30 days from the date of establishment, go through the registration of housing provident fund deposit with the Municipal Provident Fund Center, and within 20 days from the date of registration, go through the procedures for the establishment of the housing provident fund account for the employees of the unit.
If a unit hires an employee, it shall go through the formalities for the establishment or transfer of the housing provident fund account for the employee within 30 days from the date of hiring.
If there is a change in the housing provident fund registration items of a unit or employee, the change registration shall be handled within 30 days from the date of the change.
About the deposit base
The monthly contribution amount of the employee housing provident fund is:
The average monthly salary of the employee in the previous year multiplied by the proportion of the employee's housing provident fund contribution;
The monthly contribution amount of the unit is:
The average monthly salary of the employee in the previous year is multiplied by the proportion of the unit's housing provident fund contribution.
The housing provident fund paid by the individual employee and the unit where the employee belongs belongs to the individual employee.
The contribution base of the housing provident fund is the average monthly salary of the employee in the previous year. The average monthly wage of employees shall be calculated in accordance with the items included in the total wage statistics stipulated by the National Bureau of Statistics, as follows:
(1) The base for the calculation and payment of the housing provident fund for employees of state organs
- The housing provident fund payment base for civil servants of state organs includes: job salary, grade salary, allowance and subsidy, reform subsidy and bonus.
- The housing provident fund for skilled (ordinary) workers of state organs includes: post wages, technical level wages, allowances and subsidies, reform subsidies and bonuses.
(2) The base for the calculation and payment of the housing provident fund for employees of public institutions
The base of the housing provident fund for employees of state institutions includes: post wages, salary scale wages, performance wages, reform subsidies and bonuses.
(3) The base of the housing provident fund for employees of other units
The calculation base of the housing provident fund for employees of other units includes: hourly wages, piecework wages, bonuses, allowances and subsidies, overtime wages and wages paid under special circumstances.
The maximum contribution base of the housing provident fund shall not be higher than three times the average monthly wage of employees in Guiyang City in the previous year, and the minimum shall not be lower than the minimum wage standard of the previous year announced by Guiyang City.
The Municipal Provident Fund Center shall, in accordance with the above standards, determine the upper and lower limits of the housing provident fund contribution base for the current year, and announce it to the public.
Newly employed employees shall pay into the housing provident fund from the second month of their work, and the contribution base shall be the total salary payable by the employee in the second month. Newly transferred employees shall pay into the housing provident fund from the date of payment of wages by the transferred unit, and the contribution base shall be the total amount of wages payable by the employee in the whole month of the month.
The contribution base of the housing provident fund for employees shall be approved once a year, and the new employees who participate in the work and are newly transferred in the current year shall not be re-approved when the annual contribution base is adjusted.
The contribution ratio of the housing provident fund of the unit and the employee shall not be less than 5% and shall not be higher than 12%, and shall be an integer multiple of 1%. The unit can independently determine the contribution ratio within this range, and the contribution ratio can be adjusted once per deposit year. The contribution ratio of individuals in the same unit shall be consistent with the contribution ratio of the unit.
Units that have difficulties in depositing the housing provident fund, after discussion and approval by the employee congress or trade union of the unit, may apply to the Municipal Provident Fund Center to reduce the contribution ratio (the minimum can be reduced to 1%) or defer the payment, which shall be implemented after being approved by the Municipal Provident Fund Center; After the economic efficiency of the unit improves, the contribution ratio will be increased or the normal contribution will be resumed and the payment will be deferred.
If the unit applies for a reduction in the contribution ratio of the housing provident fund or deferred payment for a period of not more than one year, and if it is still necessary to reduce the contribution ratio or defer payment after the expiration of the period, it shall reapply within 30 days before the expiration.
Original Policy:
https://gjj.guiyang.gov.cn/zfxxgk/fdzdgknr/gggs/fdzdgknrtzgg/202405/t20240513_84625087.html
Shanxi Province
Notice on the adjustment of the housing provident fund loan policy
Policy Priorities:
1. Adjust the maximum amount of housing provident fund loans
The maximum amount of personal loans from the housing provident fund will be adjusted to 1 million yuan, and both parties can apply for unilateral and bilateral contributions. When applying for a loan for a family with two children or more, the maximum amount of 1 million yuan will be increased by 10%.
2. Optimize the criteria for determining the number of housing purchase units with housing provident fund loans
When applying for a housing provident fund loan, the number of housing units deposited in the housing provident fund loan for employees' families shall be determined according to the number of complete sets of housing provident fund loans nationwide for the family members who intend to purchase the house.
Original Policy:
https://www.sxzfzj.cn/website/xxgk-detail.html?seqno=2835&itemId=0401
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Source: 51 Social Security Network