Will it affect the failure to repay Ningbo provident fund loans in time during the epidemic?

Will it affect the failure to repay Ningbo provident fund loans in time during the epidemic?

It didn't work.

Workers affected by the COVID-19 epidemic will not be overdue and will not be submitted to the credit reporting department as overdue records if they cannot repay their housing provident fund loans normally from February/KLOC-0 to June 30, 2020.

The penalty interest received shall be refunded. If the overdue record has been submitted to the credit department, it shall be adjusted.

Those who meet the above conditions will be handled by the center in a unified and centralized manner, without the borrower's application, so that the loan workers can eat Anxin pills and truly "don't go out and don't gather".

During the epidemic in Ningbo, the measures to benefit the people from the provident fund include:

1. Deferred payment

Reasonably share the burden of stable jobs in salary enterprises

Enterprises affected by the COVID-19 epidemic can apply for holdover of housing provident fund before June 30, 2020 after discussion and adoption by the workers' congress or trade union, and provide relevant resolutions. The continuous calculation of the deposit time during the holdover period does not affect the normal withdrawal and application of housing provident fund loans by employees. The next month after the deferred payment is due, it is necessary to pay back the deferred housing provident fund, which reduces the financial cost of enterprises to a certain extent, helps enterprises and employees solve problems and help them tide over financial difficulties.

Second, reduce the proportion or stop paying.

Reduce the cost of employing people in enterprises

Enterprises affected by the COVID-19 epidemic can apply for reducing the deposit ratio or stopping the payment of housing provident fund before June 30, 2020 after full consultation with employees and discussion and adoption by the workers' congress or trade union and providing relevant resolutions. If you apply for holdover, the deposit time during the holdover period will be calculated continuously, which will not affect the normal withdrawal and application of housing provident fund loans by employees. After the expiration of the suspension period, normal deposits will be resumed. Further alleviate the difficulties of employees during the epidemic and support the orderly resumption of production.

Third, relief.

Increase the protection of loan workers.

Workers affected by the COVID-19 epidemic will not be overdue and will not be submitted to the credit reporting department as overdue records if they cannot repay their housing provident fund loans normally from February/KLOC-0 to June 30, 2020. The penalty interest received shall be refunded. If the overdue record has been submitted to the credit department, it shall be adjusted. Those who meet the above conditions will be handled by the center in a unified and centralized manner, without the borrower's application, so that the loan workers can eat Anxin pills and truly "don't go out and don't gather".

Fourth, help

Reasonably increase the amount of rental withdrawal.

For employees affected by the COVID-19 epidemic who rent their own houses in the market, from March 2020, the monthly limit that employees in Haishu District, Jiangbei District, Yinzhou District, zhenhai district District and Beilun District can withdraw will be increased from 700 yuan to 1000 yuan. It can further alleviate the pressure on employees to pay rent.

Verb (abbreviation for verb) special office

Open up the exclusive green channel and handle it quickly.

The center further optimizes the service mode, innovates the service mechanism, and implements all office workers to take their temperature and register their ID cards when entering the door. With the implementation of "one map, one yard and one index" as the starting point, it requires the production of "health codes" and the implementation of accurate, intelligent and efficient "point-to-point" control. For service personnel from key epidemic areas, a green channel will be opened, and a special person will be responsible for guiding them to the service window to avoid contact with other service personnel and staff, so as to improve work efficiency and shorten processing time. At the same time, a special window for deferred payment, proportion reduction and payment suspension will be opened to quickly accept relevant applications from units, ensure epidemic prevention and control, and promote the resumption of work.

Sixth, convenience.

Vigorously advocate "non-contact" treatment.

Ningbo Center has released online processing channels such as Zhejiang Government Service Network, Central Network Hall, Zhejiang Office App and Alipay App to the public through the official account and website of WeChat public account, which truly enables deposit enterprises to understand and make good use of policies, and has opened a variety of "non-contact" business processing channels such as "online office", "handheld office", appointment office and postal office in a thoughtful and intimate manner, and also provides them for employees who urgently need to handle business.

According to statistics, since February, Ningbo Center has completed 6990 online deposits and 7 150 withdrawals. Repay 200 housing provident fund loans online in advance, and repay the principal and interest of 2,952,400 yuan. The comprehensive self-service terminal of "Ningbo Service" equipped in the lobby has an average daily business volume of 15. Government service robots provide business consultation and guidance for deposit workers, effectively reduce the risk of cross-infection with intelligent service level, and ensure that epidemic prevention and service do not stop.