I. Responsibilities and functions of Yangzhou Housing Provident Fund Management Center
Yangzhou Housing Provident Fund Management Center, as a municipal management organization, undertakes the planning, implementation and supervision of the city's housing provident fund system. The center is responsible for formulating and implementing housing provident fund policies, supervising the deposit of deposit units, and ensuring the safe and compliant operation of housing provident fund. At the same time, Yangzhou Housing Provident Fund Management Center is also responsible for approving the application for the withdrawal and use of housing provident fund, providing loans and withdrawal services for paid employees to meet the needs of employees in purchasing houses, renting houses and repaying loans.
Second, the advantages and significance of the housing provident fund system
Housing accumulation fund system is an important part of China's social security system, which is of great significance for promoting housing consumption and improving residents' living conditions. By paying the housing accumulation fund, employees can accumulate certain housing funds for purchasing houses, renting houses and other expenses, thus reducing the economic pressure. At the same time, the housing provident fund can also enjoy certain preferential tax policies to improve the purchasing power of employees. In addition, the housing provident fund system can also promote the healthy development of the real estate market, stabilize housing prices and maintain social stability.
Third, the service and innovation of Yangzhou Housing Provident Fund Management Center
Yangzhou Housing Provident Fund Management Center has made remarkable achievements in service and innovation. By optimizing business processes, the center improves work efficiency and provides convenient and efficient services for depositors. At the same time, Yangzhou Housing Provident Fund Management Center also actively promotes information construction, establishes a perfect electronic service platform, realizes online inquiry, handles business and other functions, and improves service quality and efficiency. In addition, the center has continuously innovated its service model and introduced a series of convenience measures such as appointment handling and on-site service, which further improved the satisfaction of depositors.
To sum up:
Yangzhou Housing Provident Fund Management Center plays an important role in managing and supervising the operation of the city's housing provident fund system. By standardizing operation and optimizing services, the center provides efficient and convenient services for the majority of paid employees and promotes the healthy development of the housing provident fund system. At the same time, the housing accumulation fund system is of great significance for promoting housing consumption and improving residents' living conditions, and it is an important part of the social security system.
Legal basis:
Regulations on the administration of housing provident fund
Article 13 stipulates:
The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.
The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.
The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.
Regulations on the administration of housing provident fund
Article 24 provides that:
Workers in any of the following circumstances, you can extract the balance of storage in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.