1. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees;
1, the housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas;
2. Only on-the-job employees can establish the housing provident fund system, and unemployed urban residents and retired employees do not implement the housing provident fund system;
3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit;
4. Housing provident fund deposit is long-term. Once the housing provident fund system is established, employees must pay in accordance with the regulations, except for other circumstances stipulated in relevant regulations.
5. Housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics: accumulation and specificity.
Second, the wage protection fund refers to the social * * economic system in which the employer is in arrears with employees' wages and the provisions of this Ordinance exist, and the competent department uses the wage protection fund to advance a certain amount of wages to employees in accordance with relevant regulations;
Third, unemployment insurance for the disabled. Eligible disabled people apply for the unemployment insurance system, which aims to guarantee the basic livelihood of the disabled.
legal ground
"Regulations on the Management of Housing Provident Fund" Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).
The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.