Relevant Policies of Adjusting Housing Provident Fund Business in Zhangzhou

Relevant policies for the adjustment of housing provident fund business in Zhangzhou;

1. Calculation caliber: the deposit base of employee housing provident fund in the whole city is the average monthly salary of employees in the previous year (i.e. natural year: 2021-2021+01).

2. Upper limit standard: In 2022, the upper limit standard for deposit will be adjusted from 5,344 yuan in the previous year to 5,630 yuan.

3. Lower limit standard: the minimum monthly deposit limit of xiangcheng district and longwen district in 2022 will be adjusted from 172 yuan in the previous year to 196 yuan; Longhai District, Changtai District, Zhangpu County, Yunxiao County, Zhao 'an County, Dongshan County, Pinghe County, Nanjing County, Hua 'an County, Zhangzhou Taiwanese Investment Zone and Zhangzhou Development Zone, the minimum monthly deposit limit in 2022 will be adjusted from 158 yuan in the previous year to 182 yuan.

I. Repayment Process of Provident Fund Loan:

1. The borrower (and spouse) must apply for housing provident fund mortgage repayment on a monthly basis;

2. The sum of the balance of the borrower's and spouse's housing provident fund should be enough for one month's repayment in the process of monthly hedging repayment;

3. The borrower's housing provident fund loan is not overdue at present, including the overdue loan compensated by the guarantee company, and the borrower has also paid it off;

4. When applying for monthly mortgage repayment, the borrower shall promise to make up the difference in his bank repayment account in time when the available balance of his or her spouse's housing provident fund is insufficient to hedge repayment.

Two, provident fund extraction operation method is as follows:

1. Preparation materials: I will bring the original and photocopy of my ID card and provide corresponding certification materials according to the regulations of different regions.

2. Seal of the company: the employee receives and fills in the application form at the company, and the company needs to sign and seal it.

3. Bring materials to the bank for formalities: employees bring corresponding materials and go through relevant formalities at the bank where the payroll card is opened.

4. Audit materials of management center: authenticity, legality and extraction conditions of audit materials of housing provident fund management center.

5. Provident fund withdrawal: go through the withdrawal procedures after confirmation. The money will be remitted to the personal savings account, and employees can withdraw it by themselves.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and 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.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's 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.