New policy of Rizhao provident fund withdrawal

Article 1 In order to strengthen the management of housing provident fund withdrawal, standardize the withdrawal and use of housing provident fund, and safeguard the legitimate rights and interests of depositors in accordance with the law, these Measures are formulated in accordance with the Regulations on the Administration of Housing Provident Fund, the Business Specification for the Withdrawal of Housing Provident Fund, the Measures for the Administration of Housing Provident Fund in Rizhao City and other relevant laws and regulations, and combined with the actual situation of this Municipality.

Article 2 These Measures shall apply to the extraction, management and supervision of housing provident fund within the administrative area of this Municipality.

Article 3 Rizhao City Housing Provident Fund Management Center (hereinafter referred to as the Municipal Provident Fund Center) is responsible for the extraction and management of the city's housing provident fund, and the Management Department of the Municipal Housing Provident Fund Management Center (hereinafter referred to as the Management Department of the Municipal Provident Fund Center) specifically undertakes the extraction of housing provident fund.

Article 4 The principle of "compliance and convenience" shall be followed in the extraction of housing accumulation fund.

Chapter II Extraction Conditions

Article 5 Under any of the following circumstances, employees may apply for withdrawing the housing accumulation fund of employees and their spouses:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(two) no housing workers pay the rent for self-occupied housing;

(three) to repay the principal and interest of the loan for the purchase of owner-occupied housing;

(four) encounter major emergencies, causing serious difficulties in family life;

(five) the existing multi-storey residential buildings are equipped with elevators.

Article 6 Under any of the following circumstances, employees may apply for withdrawing their own housing provident fund:

(1) Employees who enjoy the urban minimum living guarantee;

(2) retirement;

(3) Having left the country to settle down;

(4) Dead or declared dead;

(five) completely or partially lose the ability to work, and terminate or terminate the labor relationship with the unit;

(six) termination or termination of labor relations with the unit for more than half a year without employment.

Seventh the same house in a year more than two transactions, a year can only handle a withdrawal.

Eighth any of the following circumstances, shall not be withdrawn from the housing provident fund:

(a) the housing provident fund account is frozen according to law;

(two) the purchase, construction, renovation, overhaul, lease apartments, villas and repay the loan principal and interest of the above projects; Purchase or lease garages, parking spaces and warehouses separately, and repay the loan principal and interest of the above projects;

(three) renovation of owner-occupied housing and repayment of principal and interest of renovation loans;

(4) Housing obtained through non-housing transactions such as property division, analysis and transfer due to divorce, death, inheritance, gift and exchange;

(five) the withdrawal of housing provident fund or the acquisition of housing provident fund loans by deception are listed in the archives of bad credit records and are still in the suspension period;

(six) the borrower's housing provident fund loan is overdue in the current period;

(seven) the relationship between husband and wife, parents and children * * * property owners to buy a house.

Chapter III Material Extraction and Aging

Article 9 When withdrawing housing accumulation fund, employees shall provide their valid identity documents, marriage certificates or household registration books, their first-class bank cards and original supporting materials.

Due to special reasons, employees can't go to the counter to handle the withdrawal procedures, and they need to be handled by their spouses, and at the same time, provide their spouses' valid identification; If it needs to be handled by a third party, the valid identity certificate of the agent and the notarized power of attorney shall be provided at the same time.

Article 10 Anyone who purchases, builds, rebuilds or overhauls an owner-occupied house in this city shall apply within 12 months from the date of signing the house purchase contract for the record, obtaining the property right certificate, paying the difference, signing the house purchase contract (agreement), issuing an auction ruling or judgment by the judicial department, approving the house construction, approving the renovation of the old house and approving the house overhaul, and providing the following supporting materials:

(a) the purchase of new commercial housing extraction, provide the housing management department online signing for the record of the purchase contract and down payment certificate; If the applicant has not used this set of housing net sign to extract the purchase contract and has not used this set of housing to apply for provident fund loans, he shall provide the purchase contract, immovable property certificate and deed tax payment certificate signed by the housing management department, or purchase invoice or deed tax relief certificate.

(two) the purchase of re-transaction housing extraction, provide the purchase contract, transaction real estate property certificate and deed tax payment certificate or deed tax relief certificate.

(three) the purchase of resettlement housing extraction, provide household registration book, the demolition department signed the demolition and resettlement contract (agreement), pay the difference payment certificate.

(4) If purchasing affordable housing, the prospective purchase certificate issued by the housing security department, the purchase contract (agreement) signed by the sales department of affordable housing and the payment voucher shall be provided.

(five) to purchase the auction house, provide the auction house confirmation, real estate certificate and purchase invoice of the auction institution; Or legal documents and payment vouchers such as auction transaction ruling or judgment issued by the judicial department.

(six) the construction of self-occupied housing extraction, provide proof of construction project planning permit materials, housing invoices.

(seven) the extraction of owner-occupied housing, provide the original housing ownership certificate or the original housing immovable property certificate, the old house renovation permit certification materials, renovation cost invoices.

(eight) overhaul occupied housing, provide housing ownership certificate or immovable property certificate, housing safety appraisal report with housing risk identification of C or D, and overhaul expense invoice.

In the purchase of owner-occupied housing outside the administrative area of this Municipality, the proof materials for the purchase of owner-occupied housing shall be provided, and at the same time, the work certificate or household registration certificate of the purchaser or spouse in the place where the house is purchased shall be provided. The city provident fund center verifies the authenticity of the materials by means of letters and certificates.

Eleventh employees and their spouses in the city area without their own housing and lease their own housing, continuous full housing provident fund deposit for more than 3 months, apply for housing provident fund withdrawal, shall provide the following documents:

(1) For the extraction of leased commercial housing, provide the rental record certificate issued by the housing management department of this Municipality and the rent-paid bill issued by the tax department or the ordinary invoice of Shandong Province for value-added tax. The municipal provident fund center checks the information of employees without housing and their spouses through the real estate registration and data information of the housing management department, and the application is valid within 12 months from the date of the rent-paid bill or the ordinary invoice of Shandong Province issued by the tax department. If there is no rent payment bill or ordinary invoice of Shandong value-added tax, the municipal provident fund center can inquire about the information of employees without housing and their spouses through the real estate registration and housing management department, and can extract it once a year.

(2) For renting public rental housing, the public rental housing lease contract and rent payment voucher shall be provided, and the application shall be valid within 12 months from the date of signing the public rental housing lease contract.

Twelfth to repay the principal and interest of the purchase of owner-occupied housing loans, the following documents shall be provided:

(a) to repay the principal and interest of the housing provident fund loan in this Municipality, it can be withdrawn once every 12 months during the loan period, and it can only be withdrawn once the housing provident fund loan is settled; If the repayment is not made on an annual basis, the borrower and spouse can sign the Agreement on Withdrawing the Loan on a Monthly Basis with the Municipal Provident Fund Center, and entrust the Municipal Provident Fund Center to withdraw the available balance in its provident fund account on a monthly basis to offset the loan principal and interest actually repaid last month.

(II) If the loan principal and interest are repaid from the housing provident fund in different places, the first withdrawal shall provide the purchase contract or the ownership certificate of real estate, repayment record and the borrower's credit report during the withdrawal period, which are issued and sealed by the loan bank or the housing provident fund center in different places; Only the borrower's credit report will be provided when withdrawing money again. It can be withdrawn once every 12 months, and only once the loan is settled.

(3) Repay the principal and interest of the commercial housing loan, and provide the purchase contract or real estate ownership certificate of the loan application, the repayment record during this withdrawal period issued by the loan bank and confirmed by its seal, and the borrower's credit report at the time of the first withdrawal; Repay the principal and interest of commercial housing loans in different places, and provide the work certificate or household registration certificate of the borrower or spouse in the loan place; Only the borrower's credit report will be provided when withdrawing money again. It can be withdrawn once every 12 months, and only once the loan is settled.

If it is necessary to provide a personal credit report to repay the loan principal and interest, the borrower shall authorize the Municipal Provident Fund Center to inquire about his personal credit report on the spot; If the borrower can't go to the site to inquire about his personal credit report, he can print it at the relevant credit reporting agency.

The borrower and spouse shall go through the withdrawal procedures for repaying the loan principal and interest at the same time; If it is not handled at the same time, the spouse extraction procedure will not be handled within 12 months.

Thirteenth major emergencies, resulting in serious difficulties in extracting family life, the applicant shall provide emergency certificates issued by the relevant departments of the people's governments at or above the county (District) and related expenses paid by individuals. The application is valid for 12 months from the date of emergency.

Fourteenth existing multi-storey residential elevator extraction, provide the existing multi-storey residential elevator agreement, installation of elevator completion acceptance certificate. This application is valid for 12 months from the date of completion and acceptance of the elevator installation project of existing multi-storey residential buildings.

Fifteenth employees who enjoy the minimum living guarantee in the city shall provide the minimum living guarantee certificate issued by the civil affairs department, which can be extracted once a year.

Sixteenth retired, retirement, retirement certificate.

Article 17 Anyone who intends to settle abroad shall provide a visa for settling abroad or a certificate of cancellation of household registration.

Eighteenth extraction of death or death, according to the following provisions:

(a) the withdrawal of funds into my bank card can be handled by any one of his heirs, and provide my death certificate or the death certificate issued by the local public security organ or court or the cremation certificate of the funeral home, and the identity certificate of the heir or legatee.

(2) If the funds are transferred to the bank card of the legal heir or legatee, it shall be handled by the legal heir or legatee. In addition to the materials specified in the first paragraph, it shall also provide valid proof of inheritance right or inheritance right (notarial certificate, court judgment, ruling, conciliation statement, etc.). ).

Nineteenth completely or partially lost the ability to work, and terminate or terminate the labor relationship with the unit, provide proof of the conclusion of disability appraisal issued by the human resources and social security departments, and terminate or terminate the labor relationship with the unit.

Twentieth termination or dissolution of labor relations with the unit, the account has not been re-employed for more than half a year or the re-employed unit has not established a provident fund system, provide proof of termination or dissolution of labor relations.

Twenty-first in the city housing provident fund loans (including discount loans) have not been settled, in addition to repayment of housing provident fund loans and existing multi-storey residential elevators, shall not apply for withdrawal under other circumstances.

Twenty-second city provident fund center through information sharing channels between government departments to obtain the applicant's valid identity certificate, marriage certificate, proof of business materials, the applicant can not provide physical proof materials.

Chapter IV Withdrawal Limit

Article 23 The total amount withdrawn by the applicant and spouse under the same circumstances shall be within the balance, and the maximum amount shall not exceed the following prescribed limits:

(a) the purchase, construction, renovation, overhaul of owner-occupied housing, the total amount of extraction does not exceed the total purchase price MINUS the amount of housing provident fund loans.

(two) no housing workers to pay the rent for self-occupied housing in any of the following circumstances, each withdrawal amount does not exceed the actual payment amount:

1. If the commercial house is leased, it shall be withdrawn according to the actual rental expenditure, and the maximum withdrawal amount shall not exceed 24,000 yuan each time; If there is no rent-and-pay bill or ordinary invoice for value-added tax in Shandong Province, the maximum annual withdrawal amount shall not exceed 12000 yuan;

2. If renting public rental housing, the withdrawal amount shall not exceed the amount of the rent payment bill of the current year.

(three) to repay the principal and interest of the loan for the purchase of owner-occupied housing, you can withdraw the housing provident fund according to the limits mentioned in the following clauses. If the housing provident fund loan is withdrawn for the last time in advance, the withdrawal amount shall not exceed the balance in the provident fund account when the housing provident fund loan is settled.

1. If the principal and interest of the housing provident fund loan in this city are repaid annually, the accumulated withdrawal amount of the borrower and spouse shall not exceed the accumulated repayment amount (including prepayment of the principal and prepayment of the loan) from the day after the last withdrawal to the current withdrawal date; If a monthly repayment withdrawal agreement is signed, the total amount of monthly repayment withdrawal shall not exceed the repayment amount of the previous repayment period (including prepayment of principal and prepayment).

2. When repaying the principal and interest of commercial housing loans or withdrawing the principal and interest of housing provident fund loans from other places, the total amount withdrawn by the borrower and spouse shall not exceed the cumulative repayment amount from the day after the last withdrawal of the loan to the current withdrawal date (including prepayment of the principal and prepayment of the loan).

(four) the occurrence of major emergencies, resulting in serious difficulties in family life, the total amount of extraction shall not exceed the expenses borne by individuals in emergencies.

Twenty-fourth existing multi-storey residential elevator extraction, extraction of the total amount does not exceed the individual to pay the cost of installing the elevator.

Twenty-fifth employees who enjoy the minimum living guarantee in the city, the withdrawal amount is the balance in the housing provident fund account.

Article 26 If an employee meets the conditions in Items (2) to (6) of Article 6, and the employee and his spouse have no housing provident fund loans and guarantees, the employee's account shall be closed with interest.

Article 27 The balance of the provident fund account of the housing provident fund borrower shall not be less than 5% of the loan balance, and the balance of the provident fund account of the housing provident fund loan guarantor shall not be less than 5% of the secured loan balance. At the same time, the accumulated retained balance of the provident fund loan and guarantee shall be calculated.

Chapter V Extraction and Treatment

Twenty-eighth applicants to the city provident fund center to apply for withdrawal, the application materials submitted are true and complete, in line with the provisions, to be accepted; If the application materials are incomplete or do not conform to the prescribed form, it shall inform the contents that need to be supplemented at one time.

Twenty-ninth after acceptance can be audited on the spot, it should be completed on the spot; If it cannot be audited on the spot, it shall make a decision on whether to approve or disapprove the extraction within 3 days from the date of accepting the application, and notify the extraction applicant. When the applicant raises an objection to the audit, he may apply for a review, and the Municipal Provident Fund Center shall make a final review opinion within 5 days.

Thirtieth city provident fund center should actively use the "internet plus" new technology, broaden business channels, promote online extraction and other self-service matters, the relevant provisions can be optimized and adjusted in a timely manner, and announced to the public.

Chapter VI Supervision and Administration

Article 31 If an individual withdraws his or her spouse's housing provident fund by fraudulent means such as forged certification materials and fictitious housing consumption behavior, or illegally withdraws other people's housing provident fund, the Municipal Provident Fund Center shall order him or her to return the illegally obtained housing provident fund funds within a time limit, notify the employee's unit, incorporate them into the housing provident fund integrity file, and suspend his or her housing provident fund withdrawal qualification and loan qualification within five years; If a crime is constituted, criminal responsibility shall be investigated according to law.

Institutions and personnel assisting in counterfeiting shall be handed over to the relevant administrative organs for handling according to law; If a crime is constituted, criminal responsibility shall be investigated according to law.

Thirty-second housing provident fund withdrawal approval to implement lifelong responsibility system. In the process of examination and approval of housing provident fund extraction, expand the extraction object and scope without authorization, or modify the extraction conditions and requirements, and operate illegally for personal gain, resulting in financial losses, and order the responsible leader in charge and other directly responsible personnel to recover the extraction funds, and investigate the responsibility of the responsible person according to regulations; If a crime is constituted, criminal responsibility shall be investigated according to law.

Chapter VII Rules

Article 33 These Measures shall come into force as of the date of promulgation and shall be valid until March 3, 20271day. Because the adjustment of the superior policy is inconsistent with these measures, it should be adjusted in real time according to the new policy of the superior.