I. Materials required for preparing to suspend (transfer out) the individual housing provident fund account:
1. Complete and stamped with the official seal of the unit or the special seal for housing provident fund business, and the List of Changes in Collection and Payment of Housing Provident Fund in duplicate;
2. Complete and affix the official seal of the unit or the special seal for housing provident fund business "Notice of Transfer of Housing Provident Fund" in duplicate;
Two, on the completion of the "housing provident fund transfer change list" and "housing provident fund transfer notice";
Three, the unit handling personnel to carry the above materials, to the unit housing provident fund account where the bank housing provident fund business outlets audit;
Four, the bank housing provident fund business outlets counter staff accepted, the form provided by the unit to fill in is correct and complete audit;
Five, the bank housing provident fund business outlets operators in the "housing provident fund remittance change list" and "housing provident fund transfer notice" stamped with the official seal of the business;
Six, the unit handling personnel back to the material:
1, a copy of the List of Changes in Housing Provident Fund Remittance and Transfer (with bank seal);
2. Copy of Notice of Housing Provident Fund Transfer (with bank seal).
It doesn't matter if the provident fund is cut off for a short time, but it needs to continue to pay the provident fund within 6 months. Now many cities have opened individual industrial and commercial households and freelancers to pay the provident fund, even if there is no unit, they can pay it normally; In some cities that must be paid by the unit, you can go through the procedures of attaching the provident fund, and the attached unit will pay the provident fund. If the provident fund loan has been entrusted for deduction, it should ensure that the repayment account has sufficient funds during the suspension period to avoid overdue and affect personal credit. If you have applied for a provident fund loan to buy a house and it has been approved. Then, whether the provident fund account is sealed or stopped, it will not affect the provident fund loans that have been applied for, nor will it be forcibly converted into commercial loans.
legal ground
Article 15 of the Regulations on the Management of Housing Provident Fund, if a unit employs employees, it shall go through the deposit registration at the housing provident fund management center within 30 days from the date of employment, and go through the formalities 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. Twentieth units shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.
Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.