2065438+2005 Ningbo housing provident fund new policy: you can withdraw the provident fund without a house permit.
Ningbo's new policy of renting a house to withdraw provident fund was officially implemented on June 1 day. According to the new regulations, as long as employees pay the provident fund for three months, employees who rent a house in the urban area can withdraw the provident fund to pay the rent, which simplifies the relevant extraction process and can withdraw it without renting an invoice.
The policy has just been implemented, and there are not many people renting houses to withdraw provident fund.
On June 2nd, I came to the service hall of Ningbo Housing Provident Fund Management Center and met Mr. Chen, a young man who came to withdraw the provident fund. Mr. Chen is holding a handbag with a lot of information in it. He rented a public rental house in Xie Jia. The lease has just passed half a year. He brought rental contracts, rental invoices and other materials. The staff told him that after the introduction of the new policy of renting a house to withdraw the provident fund, it will take one year from this month, which means that it will take Mr. Chen Can six months to withdraw the provident fund.
After staying in the service hall for nearly two hours, I didn't meet other citizens who applied for renting a house to withdraw the provident fund. "The policy has just been implemented, and it takes time to open a house without a certificate, so there is no data on renting a house to withdraw the provident fund." The staff of Ningbo Housing Provident Fund Management Center said.
According to the news of Ningbo Real Estate Trading Center and Ningbo Real Estate Property Registration and Supervision Office, only 20 people applied for renting a house to withdraw the provident fund on June 1-2. "The number of applicants is not large, and it takes 5 working days to issue a certificate of no room." The relevant staff of Ningbo Housing Provident Fund Management Center said.
Rental workers can also withdraw provident fund without housing certificate.
Mr. Chen rents a public rental house. According to the new regulations, employees renting public rental housing should provide public rental housing lease contract (original and photocopy) and rent payment bill (original and photocopy). Employees who rent a house in the market only need a certificate of no room, bring their ID card and the Application for Withdrawal of Housing Provident Fund in Ningbo issued by the unit, and they can withdraw the provident fund.
It turns out that renting a house to withdraw the provident fund requires a rental contract, a rental invoice, a lease registration certificate, and a commitment letter without a house. After the implementation of the New Deal, the process and procedures are simplified, which is not only practical but also convenient for new employment and low-income renters.
However, employees who rent a house and withdraw the provident fund should fill out a "Declaration Form for Withdrawing the Housing Provident Fund for Employees without Own Housing in Ningbo" in the process of handling. This form records the address, property owner, property number and other information of the rented house in detail, which is convenient for the management department to inquire. According to the relevant regulations, those who fraudulently withdraw housing provident fund will be fined 5%- 10% of the withdrawal amount in addition to recovering the withdrawn housing provident fund, and employees will be disqualified from withdrawing housing provident fund and applying for individual housing loans from housing provident fund within two years.
Once a year, both husband and wife meet the requirements, and the maximum amount can be 16800 yuan.
The new policy clearly stipulates that urban workers who rent self-occupied housing in the market can withdraw 700 yuan up to a maximum of one month. Workers withdraw housing provident fund to pay rent, according to the principle of "rent first and then withdraw", once a year, and the withdrawal period shall not exceed 12 months before the withdrawal month.
That is to say, when the employee withdraws the provident fund, the renting behavior has occurred for one year, and if the monthly rent exceeds that of 700 yuan, he can withdraw 8400 yuan at one time. If both spouses of a family meet the requirements, they can apply for the highest monthly rental subsidy of 1.400 yuan, that is, they can withdraw 1.68 million yuan a year. If an employee rents a house to withdraw the housing provident fund, he needs to handle it himself. If the husband and wife jointly extract, one of them may entrust the other to extract, but it is necessary to provide written consent to extract proof and other relevant materials.
"As long as the relevant information is complete, it can be directly extracted after the site is completed." The relevant staff of the Provident Fund Management Center said.
Rent a house and withdraw the provident fund
Will it affect the subsequent provident fund loans?
The white-collar children of foreign companies who have worked in Ningbo for six years are really happy to hear the news of the new policy of renting a house to withdraw the provident fund.
The child rents a single apartment in Yinzhou, and the monthly rent is 2000 yuan, which is really a big expense for her.
"It is really good to rent a house with the provident fund, which can reduce your burden." The child said, but she was very worried: "I have worked for several years, I have some savings, and I am looking at the house. If the provident fund is raised now, will the provident fund loan be affected when buying a house? "
The citizens who call our hotline have many doubts. The reporter came to the loan window of the provident fund center for consultation as a property buyer. The bank staff replied that renting a house to withdraw the provident fund will not affect future loans. "Provident fund loans only look at the base and have nothing to do with the balance of the provident fund."
I learned from Ningbo Housing Provident Fund Management Center that according to the current policy, renting a house to withdraw the provident fund will not affect the subsequent loans. However, if the loan amount is linked to the balance of the housing provident fund account, it will affect the loan to some extent.
Ningbo provident fund withdrawal process
1. Employees apply to the company;
2. Upon examination, the unit issued the Application Form for Withdrawal of Housing Provident Fund in Ningbo City in triplicate, which accurately and completely filled in the information such as "unit name, unit account number, employee name and employee personal account number" and stamped the second copy.
3. The employee shall go to the management center to handle the withdrawal formalities with the "Ningbo Housing Provident Fund Withdrawal Application", the original ID card and related materials (and provide a copy to the management center).
4 management center to "housing provident fund withdrawal application" in the name, account number and other information to fill in the integrity, accuracy, the authenticity of personal identity card audit. At the same time, according to the relevant documents and materials provided by employees, the audit is carried out in accordance with these operating procedures. After confirming that it is correct with the original, the copy shall be kept by the management center and the original shall be returned to the extractor.
5. The management center will register the information of the extractor and other extraction materials that meet the requirements in the comprehensive management system of housing provident fund, print the "Housing Provident Fund Extraction Form" in triplicate, affix the official seal of the business, one will be handed over to the extractor as the extraction voucher, one will be handed over to the bank cashier as the voucher for issuing a deposit slip or check, and the other will be kept as the business file.
6. The drawer holds a cash deposit slip or a transfer check and goes to the designated bank to withdraw cash or handle relevant payment procedures within the specified time.
7. If the extracted data does not meet the requirements of these operating procedures, the management center will return the extracted data to the extractor, inform the reason for the return, and fill out the "Ningbo Housing Provident Fund Extraction Return Reason Book" in duplicate; Need to verify, make a decision on approval or disapproval of the extraction within 3 working days from the date of accepting the application, and reply to the applicant.
8. Withdrawal business shall be handled throughout the month except holidays, and the unit can close the account for withdrawal only after sealing the employee.
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