Shaoxing provident fund consultation hotline

Legal analysis: Shaoxing Provident Fund Center Tel: 12329. Housing provident fund management center is the exclusive department to collect and manage the provident fund paid by employees of enterprises and institutions on a regular basis. The raised funds are earmarked for special purposes, mainly used for loan expenses related to house purchase and rental. At present, the scope of application of employee provident fund is becoming more and more relaxed, and everyone can go to the local provident fund management center to handle loans, withdrawals and other related businesses. Provident fund is essentially the salary of employees. If you don't use it all the time, you can only exist in the management center until you retire. Housing accumulation fund is a compulsory housing savings. It is a personal housing consumption fund established in the form of "personal storage and unit subsidy" according to national policies, which is specially used for individuals to pay housing expenses. Housing accumulation fund is a kind of compulsory long-term savings, which is paid by employees and their units. Individual employees pay a certain percentage of their wages to the provident fund on a monthly basis; The unit also provides a provident fund that accounts for a certain proportion of employees' wages every month. Both of them are owned by employees, and are paid when wages are paid and deposited into employees' personal provident fund accounts. When an employee retires, the accumulated principal and interest of the provident fund will be settled in one lump sum and returned to the employee himself.

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.

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