How to handle individual housing accumulation fund? What are the meanings of housing accumulation fund?

Regular enterprises will help you buy five insurances and one gold after you join the company. Some companies will help you buy housing provident fund after you become a full-time employee. Part of the provident fund is paid by itself and part by the company. Once payment is started, it cannot be interrupted or suspended; So can individuals apply for provident fund? What should be paid attention to in the provident fund? Let's learn about housing provident fund with Bian Xiao!

Individuals cannot apply for provident fund, but they should apply in the name of the company.

First of all, the company should go to the local provident fund management center for the record, and then the company should provide the relevant documents of the employees who pay the provident fund for the record in the provident fund. After the filing is completed, you can open a personal provident fund account in the bank established by the provident fund. However, all these procedures require the company to provide business license, official seal and other relevant information, which is generally the responsibility of the company's personnel or finance.

Personal housing provident fund summary

Issues related to individual handling housing accumulation fund:

1: Under what circumstances can I register a new personal savings account for my employees, and how can I operate it?

Answer: If the newly hired employees who are in arrears for more than 3 months need to pay the housing provident fund for the employees by personal deposit, the unit can handle the new account opening registration for the newly hired employees. The unit shall go to the sub-center or management department with the application materials.

2. How to handle the monthly personal provident fund deposit business?

A: The unit can pay all or part of the housing accumulation fund of 1 month or more for individuals every month, and the number of months paid by each employee can be different. The manager shall handle the individual deposit of housing provident fund with the following materials: (1) Summary of individual deposit in triplicate; (two) "city housing provident fund individual deposit book" in triplicate; (3) If the unit is a newly opened account or transferred to individual employees to pay housing provident fund, it shall provide the Inventory of Individual Housing Provident Fund Paid by Municipalities in triplicate. After the examination and confirmation by the sub-center or the management department, the unit manager will go to the Construction Bank to handle personal deposits with the Personal Deposit Summary Form and the corresponding inventory.

3. How to handle the annual adjustment of personal deposits?

A: After the individual pays the employee housing provident fund in June each year, the unit shall adjust the individual contribution for the employee. Units with the "individual housing provident fund deposit adjustment list" to the sub-center or management department for individual deposit adjustment business. If the sub-center or management department reviews and confirms, the deposit amount will be adjusted for employees at that time.

4. How does the unit handle the payment for individual employees?

Answer: When a unit pays back the underpaid housing provident fund for an individual, it should go to the sub-center or the management department with the following information: (1) Summary of Individual Deposit (Repayment) of Housing Provident Fund in Cities (hereinafter referred to as Summary of Individual Deposit) in triplicate; (2) The inventory of individual deposit and repayment of housing provident fund in three copies. After being examined and confirmed by the sub-center or the management department, the handling personnel of the unit shall go to the Construction Bank to handle personal deposits and pay them back with the Personal Deposit Summary Form and the list. Personal deposit and withdrawal can be handled simultaneously with personal deposit business or separately.

5. How does the unit handle the individual payment of provident fund remittance?

Answer: If the unit pays the underpaid housing provident fund for remitted and deposited employees or pays the unpaid housing provident fund for remitted and deposited employees during the storage period, it shall handle the individual payment business. After examination and confirmation by the sub-center or the management department, the unit manager will go to the Construction Bank to handle individual payment with the summary table and list of remitted deposits. Remittance and individual payment can be handled separately or together with remittance and payment.

The definition of housing provident fund includes the following five aspects:

(1) Housing provident fund is only established in cities and towns, and there is no housing provident fund system in rural areas.

(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.

(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of housing provident fund together with the unit deposit.

4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must pay it continuously according to the regulations during their employment, and it shall not be suspended or interrupted except for the retirement of employees or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.

(5) Housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics of accumulation and specificity.

The above is the introduction of how individuals apply for provident fund. In fact, the role of provident fund is still quite large. Generally, you can see clearly when you buy a house. Now the law stipulates that as long as you pay the provident fund for a certain number of years, you can apply for housing provident fund loans in accordance with relevant regulations. This should be the motivation for most people to continue to pay the provident fund! As for how individuals can handle the housing provident fund loan process, you can get the corresponding understanding online!

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