Shenzhen plans to adjust the scope of the common applicant of the provident fund loan

On July 6, the "Notice on Relevant Matters of the Housing Provident Fund withdrawal of the Housing Provident Fund (Draft for Soliciting Opinions)" and the "Shenzhen Housing Provident Fund Loan Management Regulations (Draft for Opinions)" publicly solicited opinions from all walks of life. The reporter was informed that the new regulations have supplemented the original withdrawal and loan policy, mainly including housing provident fund support for the transformation of old communities, optimizing the processing methods of non -Shenzhen households with deep -selling households, and expanding the scope of the common applicant of loans.

Support payment employees to withdraw housing provident funds for the renovation of old community projects

The relevant person in charge of the Municipal Housing Provident Fund Management Center (hereinafter referred to as the "Municipal Provident Fund Center") is introduced to help solve the problem of funds burden in the reconstruction of the depositor in the old community, and promote the establishment of a co -owner sharing mechanism for the renovation of the old community in our city. It is planned to add a provident fund withdrawal situation to support the payment of housing provident funds for the deposit employee for the transformation of the old community project. Participating in the capital transformation into the scope of the city's old community renovation project, the spouse, parents, and children of the property owner and property owner can apply for the balance of the balance payment of their respective provident fund accounts.

It should be reminded that the extraction application must be submitted within three years after the completion and acceptance of the old community renovation project. The applicant can withdraw once a year within the actual capital contribution amount of the housing property owner. The total amount of extraction does not exceed the actual amount of the housing property owner.

Optimize the processing of non -Shenzhen -departure to extract business

It is understood that the city's non -Shenzhen household pays the employee to apply for a cancellation of the provident fund account and extract all the account balance. At present, after the employee application is extracted, it must meet the suspension of social security for three months, or the basic pension insurance or basic medical insurance relationship has been transferred. For employees who have been waiting for the social security for three months after the extraction, the application for the application to the funding to the account is long.

In order to solve the above problems, new plans to further adjust and optimize handling conditions, and cannot handle employees who transfer basic pension insurance or basic medical insurance relationships. Fund settlement was immediately withdrawn. Employees can handle the business directly online after signing an online self -service application agreement, without having to apply in advance or return in advance.

Expand the scope of the extraction of residents' minimum living security

In Shenzhen, employees who enjoy the minimum living security of residents can apply for the balance of provident fund accounts. The new rules have clearly incorporated employees who belong to the minimum living security edge of our city into the scope of support for the withdrawal of housing provident fund withdrawals. Employees can apply for withdrawal of provident funds with the relevant certificates of families on the edge of living security.

Adjust the scope of the component applicant of the loan

The current loan policy of our city stipulates that when employees apply for provident fund loans, spouses, parents, and children can be used as a loan applicant. However, joint applicants need to pay the housing provident fund normally. The revision of this loan policy is intended to further relax the application conditions. The applicant's spouse, parents, and children can be used as common applicants regardless of whether they have deposited housing provident funds. At the same time, it is clear that the applicant's spouse, parents, and children are buyers and should be used as co -applicants.

The scope of the provident fund loan review is extended to the whole country

According to the regulatory requirements of the state, provincial, and municipalities on provident fund loans, the amendment of this loan policy is planned to adjust the scope of provident fund loans from the inspection of the Shenzhen Provident Fund loan to verify the national provident fund loan. If there is a unreasonable provident fund loan in other cities, the provident fund loan cannot be repeatedly applied for.

The relevant person in charge of the Municipal Provident Fund Center stated that supplementing and improving the existing extraction regulations and amending loan regulations is based on the stability and continuity of the existing regulations, and the summary of the new development, new changes and practical experience of the provident fund business. In order to better serve the units and employees. Welcome all sectors of society and the general public to actively make amendments and suggestions, and feedback to the designated mailbox as follows before July 16, 2022: [email protected].

(Author: Shenzhen SAR Reporter Dou Yanwen)

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