Dalian Housing Provident Fund Management Center conducts hot interpretation

On July 21, the Dalian Housing Provident Fund Management Center explained the relevant hot issues on the participation of the housing provident fund system and the retired military housing provident fund deposit and use policy for flexible employees.

About Dalian Flexible Employees Participating in the Housing Provident Fund System

1. Why should you formulate and introduce the "Interim Measures for the System of Flexible Employees in Dalian City"?

In order to expand the coverage of the housing provident fund system in our city, actively promote the process of new urbanization construction in our city, and give full play to the role of housing provident funds to solve the problem of flexible employees' housing problems, in accordance with the "Regulations on the Management of Housing Provident Fund", "Regarding the issuance of

2. What are the applicables of the "Interim Measures"?

The individual industrial and commercial households and employees, employees, freelancers, non -full -time employment such as women who have complete capacity for civil behavior and fail to reach the legal retirement age (men are not more than 60 years old, and women are not more than 55 years old) For short, individuals voluntarily payers) can voluntarily deposit housing provident funds in accordance with the "Interim Measures". In -service employees who establish labor relations with the unit are not within the scope of individuals' voluntary deposits. "On -the -job employees" determined in accordance with Article 4 and 5 of the "Administrative Measures for the Collection of Housing Provident Fund in Dalian City".

3. How to apply for the flexible employment of the housing provident fund account?

Employees who have been sealed with the unit and their personal accounts have been sealed, and when applying for voluntary payment, they need to transfer their personal accounts to the management of voluntary depositors and no longer open a personal account.

4. How to transfer voluntary payment accounts to new units?

If the individual's voluntary payer establishes a labor relationship with the deposit unit, if the unit pays the housing provident fund, the individual voluntary deposit account is transferred to the unit housing provident fund account, and the voluntary deposit agreement will be lifted automatically without re -establishing a personal account.

5. Participate in voluntary payment, how much housing provident fund needs to be paid every month?

The monthly deposit of the housing provident fund of the individual's voluntary depositor is multiplied by the deposit base, and the deposit base and the deposit ratio are autonomously determined. The deposit base is not lower than the minimum wage standard announced by the government in the previous year, and the maximum of three times the average monthly salary of employees in the previous year; the deposit ratio can be selected between 10% and 24%.

Example: When Zhang applied for voluntary payment, the monthly income of 5,000 yuan was applied as a housing provident fund deposit base, and 12% were selected as the deposit ratio.

6. How to apply for housing provident fund payment every month?

Personal voluntary payment is different from the unit withdrawal and payment of the unit, but through the payment agreement and the deduction of bank deductions for remittances, the individual voluntary payer will deposit the deposit amount in the monthly deposit amount in the agreed bank account every month. Essence It can not only avoid the trouble of repeated operations monthly, but also ensure the timely accounts of remittance funds, and the accounts are clear and safe.

7. After participating in voluntary payment, can it be closed?

If the housing provident fund loan or housing provident fund loan has not been paid off during the voluntary payment period, the individual voluntarily payers can voluntarily apply for the cancellation agreement, and the personal account is transferred to the centralized management of the housing provident fund custody account.

8. After participating in voluntary payment, how to extract the balance of the account?

If an individual who voluntarily pays for the withdrawal of the housing provident fund, the housing provident fund shall be continuously paid in full for 3 months. Personal voluntary payers who have not applied for housing provident fund loans or housing provident fund loans can apply for withdrawal of housing provident funds in accordance with the "Administrative Measures for Dalian Housing Provident Fund withdrawal" and relevant regulations.

9. Participate in voluntary payment and have no willingness to buy a house, can it be sold for sales?

Personal voluntary payers who have signed the agreement for 5 years and have not been applied for housing provident fund loans may apply for an account withdrawal business, and the agreement is automatically lifted.

10. After being flexibly employed in other provinces and cities or participating in the work, can I handle a voluntary deposit account transfer business?

Personal voluntary payers have been flexibly employed in other provinces and cities or established labor relations with the unit. If they set up a housing provident fund account, they can apply for a housing provident fund that will be paid in the city to the housing provident fund account set up in other provinces and cities.

11. What are the conditions for applying for housing provident fund loans?

It meets the loan conditions of the "Measures for the Administration of Dalian's Personal Housing Provident Fund Loan".

When applying for a housing provident fund loan, the personal account is in a normal deposit state; before the application, the personal account shall be more than 12 months, full, and continuous deposit housing provident fund on time, full, and continuous deposit. If the individual's voluntary depositer has been suspended for more than 3 months, the continuous deposit time is calculated from the re -deposit month; the payment time of the individual's voluntary deposit account and the payment time of the unit housing provident fund account will not be calculated.

I and a family member purchased the first self -residential housing in the city's administrative area.

12. How to calculate the amount of loan loans for housing provident fund loans?

The loan amount does not exceed 5 times the balance of the housing provident fund account storage of the housing provident fund account when the loan quota is applied. The account storage balance does not include the payment amount within 12 months (inclusive) before the loan application, and the deduction amount is transferred to the amount. The storage balance of the individual's voluntary deposit account and the storage balance of the unit housing provident fund account will not be calculated. When the borrower is a two -person, when calculating the amount of provident fund loans, the provident fund loan amount (individual voluntary depositors, unit deposits, and soldiers of each borrower's provident fund loan amount should be calculated separately to determine the total loan amount.

Other provisions of the "Administrative Measures for Dalian Personal Housing Provident Fund Loans".

13. Can individual voluntary payers apply for a loan with the unit's depositor?

Personal voluntary payers can apply for a double loan with the unit to pay employees with the unit. When calculating the amount of provident fund loan, each borrower's provident fund loan amount is calculated respectively (individual voluntary payers, unit deposit employees, and soldiers are calculated according to the rules. The amount of loan is added to determine the total loan amount.

14. Can I apply for a personal housing business loan, can I apply for the original commercial loan to a personal housing provident fund loan?

In accordance with the "Administrative Measures for Dalian Commercial Loan Transfer Housing Provident Fund Loans", individual voluntary payers can convert the original commercial loan to personal housing provident fund loans.

Regarding the use of retired soldiers housing provident fund deposits and use

1. What are the objects of policy applications?

Transfer officers and retired soldiers arranged for work.

Failure to reach the legal retirement age (men are not more than 60 years old, women are not more than 55 years old), and they have not established a housing provident fund account in the city's administrative area. Employment retirement soldiers and preferential treatment of national pension subsidies.

2. How to classify the main body of the deposit?

If the resettlement unit is paid, the resettlement unit can set up a housing provident fund account for retired soldiers in accordance with regulations.

If retired soldiers voluntarily pay, I need to hold a valid ID card and a certificate that can prove the status of retired soldiers.

3. How to set the deposit base and the payment ratio?

If the settlement unit is paid, the payment base and the ratio of the deposit shall be implemented in accordance with the relevant regulations of the employee.

If the retired soldiers voluntarily pay, the deposit base can be determined by itself. It is not lower than the minimum wage standard announced by the government in the previous year. By June 30 of the following year), the deposit base can be adjusted once. The payment ratio is 12%.

4. After the retired soldiers sign the voluntary payment agreement, how to apply for payment?

If a retired soldier is voluntarily paid, the provident fund center will issue a housing provident fund card as an effective voucher for the deposit housing provident fund. The amount of money is deposited in the housing provident fund card on time and full amount on time and full amount of the agreement every month. The provident fund center entrusted the bank to pay it to the housing provident fund account.

5. What conditions can you apply for a housing provident fund loan?

If the retired soldiers meet the conditions of the housing provident fund loan in our city, they can apply for a housing provident fund loan. In terms of loan quota, retired soldiers can deposit housing provident funds paid by the troops during the retired troops into the deposit account of the city's provident fund. At the same time, the housing provident fund deposit certificate or deposit details issued by the affiliated troops can be combined to calculate the loan amount. Specific reference to the "Administrative Measures for the Management of Personal Housing Provident Fund Loans in Dalian City" and relevant regulations.

6. What conditions can you apply for a housing provident fund withdrawal business?

All the conditions for withdrawal of housing provident funds in our city can apply for withdrawal of housing provident funds. Specific reference to the "Administrative Measures for Dalian Housing Provident Fund withdrawal" and relevant regulations.

7. What conditions can you apply for account cancellation and transfer?

When reaching the retirement period (the age of 60 and the age of 55 years of age), the account sales can be extracted.

If the retired soldiers voluntarily pay, if the labor relationship with the unit is established, the employer will continue to pay the housing provident fund. After the units are terminated or terminated with the housing provident fund account custody procedures, they shall not apply for a housing provident fund on the grounds of voluntary deposits of retired soldiers.

Peninsula Morning Post, 39 -degree video reporter Qi Yuanyuan

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