Yes, whether it is a listed company or not, it is necessary to pay the housing provident fund for employees.
According to the Regulations on the Management of Housing Provident Fund:
Fifteenth units to hire employees, should be within 30 days from the date of employment to the housing provident fund management center for deposit registration, and for the establishment or transfer of employee housing provident fund accounts.
Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.
Second, how long can the provident fund pay a loan to buy a house?
You can apply for provident fund loans after paying the provident fund for more than half a year.
What conditions do individual housing provident fund loans need to meet? The main contents are as follows:
1. The borrower has full capacity for civil conduct;
2. Have the official residence or valid residence status in this city;
3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;
4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;
5, can provide a valid contract or agreement for the purchase of owner-occupied housing;
6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;
7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;
8. The borrower agrees to handle housing mortgage loan and insurance;
9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;
10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.
Third, what should I pay attention to when buying a house with provident fund?
1. Provident fund cannot be directly used as down payment for house purchase.
Many people think that provident fund can be used as a down payment for buying a house, but this is not the case. Generally speaking, the provident fund is used first and then withdrawn. In other words, if you want to buy a house with a provident fund loan, you must pay a down payment first, and then take your ID card, household registration book and other supporting materials to the local housing provident fund management core to withdraw the balance of the provident fund.
2. The total withdrawal from the provident fund cannot exceed the total house payment.
The total withdrawal of housing provident fund cannot exceed the total purchase price. Even if you have 500 thousand in your provident fund account, as long as the amount of the house you buy is less than 500 thousand, you can't withdraw it in full.