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Original title: The latest Guangzhou contingency fund policy officially introduced off-site purchases to suspend withdrawal of contingency fund
Ocean News? Guangzhou employees can buy housing in different places, can they withdraw the contingency fund? Can Guangzhou employees withdraw their contingency fund from their functions? According to the reporter's understanding, the Guangzhou Housing Provident Fund Management Center recently hanged the "New Deal Provincial Provident Fund Guangdong", which has attracted the attention of many people to the housing provident fund. It is understood that this document belongs to the policy documents of Guangdong Province, and specific policies and guidelines for the management of the housing provident fund are required in various cities and towns.
Yesterday, the last policy of the management of the housing provident fund of the city of Guangzhou, which the public expects for a long time, was finally introduced. The Guangzhou Housing Provident Fund Management Center published the Notice on Implementing Implementation Notices of the Ministry of Housing and Urban and Rural Development of Guangdong Province . As the policy of Guangdong Province, the "Notice" stipulates that the purchase of homes in different places and the suspension of withdrawal of housing provident fund, depositors of provident funds should not choose to withdraw the Provident fund by separation.
In accordance with the regulations in force, the "Notice" will be implemented from the date of promulgation and will have a validity of five years. The notice states that if you buy a house in a non-Guangzhou city and a no-self and the registration of a spouse's household, the eligibility for the accumulation fund housing will be suspended.
According to the notice, the provident fund applicant can purchase the provident fund in the Guangzhou administrative area, or the owner and the spouse's household registration, and can only make a request that for the housing accumulation fund. For extraction, the total amount of the withdrawal does not exceed the actual purchase cost. The staff of the Guangzhou Housing Provident Fund Management Center told the reporter that prior to the publication of the notice, the company had managed the purchase of housing funds at various locations and that It was consistent with the original policy. Continue to withdraw the provident fund for the purchase of homes in different locations.
Example Q & A
1. Q: Depositors A and B are husband-wife relations, and they deposit all contingency funds in Guangzhou, the household registration is in Beijing and household registration to Shenzhen. After the announcement of the notice, A and B can they use the housing application purchased by A in Beijing to withdraw the contingency fund?
A: Yes.
2. Q: The depositor deposits the housing provident fund in Guangzhou, and the household registration of the payer and his spouse is in Zhuhai.After the announcement, the depositor and his spouse may hold their joint venture in Dongguan. Is the purchase of housing bought by the city to withdraw the housing provident fund?
A: No.
3. Q: Depositors A and B are single and they all pay housing accumulation fund in Guangzhou, A household registration in Beijing and household registration at B. After the Announcement of the notice, A and B can be Request for a housing fund purchased by a joint venture in Beijing to obtain a housing provident fund?
A: A box, B because it belongs to a non-local, non-residential place to buy a house, so can not ask for the extraction.
Violation of provisions of the provident fund will be suspended
According to the requirements "Notices", the city of Guangzhou will also implement the joint accumulation of housing fund trust fund behavior. In case of illegal take-over of the housing provident fund, in addition to the suspension of the qualification of pension fund loan according to the "Guangzhou Individual Housing Provident Fund Loan Implementing Measures", the qualification withdrawal of housing accumulation funds is suspended.
For those who have already withdrawn funds, they will suspend their eligibility for withdrawal of contingency funds and eligibility for loans up to that they have repaid the total amount of the withdrawal for five years.
For those who still can not get back on time, they are clbadified as serious acts of dishonesty, and report their loss information. trust the relevant administrative services in accordance with the law, and apply joint punishment.If the institution, the unit causes and the applicant of the company belonging to the & # 39; State illegally withdraw the provident fund, they must also notify the unit where they are located.
Example Q & A
1. Q: If the depositor does not return the total amount of the withdrawal, can he / she request the withdrawal of the housing capitalization fund (including withdrawal from the household account)?
A: No.
2. Q: The depositor took a housing fund of 50,000 yuan on January 1, 2017, returned 20,000 yuan in June 2017 and returned 30,000 yuan on December 1, 2017. Can I apply for a housing provident fund according to the policy?
A: On December 1, 2022, after the employee has paid back the total amount of the withdrawal for 5 years, he can claim the contingency fund according to the policy.
The prohibition of speculative behavior against the provident fund can not be withdrawn
Like the "New Deal of the Provident Fund of Guangdong", the New Deal also provided speculation conditions such as transactions frequent.
According to the "Notice", the same person changes more than twice (including twice) in a year marriage relationship purchase, or the same set of dwellings, property rights change more than twice in one year (including), owners and spouses can not apply for housing to withdraw the provident fund.
Can I withdraw my pension fund from my resignation? The "Notification" states that if the depositor of the provident fund and the unit terminate or terminate the employment relationship, the personal account must be sealed first, and no withdrawal must be made by resignation.
Example of questions and answers
1. Q: If Payor A sold his house to B in August 2018, B sold the house to C, C and his spouse in December 2018. Can I apply for the housing provident fund immediately?
A: No. The set of houses belongs to the case where the property rights are changed twice (including twice) in the year, and C and his spouse can not apply for it. all houses before December 2019 included.
2. Q: What conditions do depositors have to respect when they transfer the accumulated accumulation fund to the city?
A: You must open a housing provident fund account in our city and keep it for more than six months.
3. Q: What conditions do depositors have to respect when they transfer the accumulated accumulation fund of the city to another place?
A: You must open a housing provident fund account in a different location and keep it for more than six months.
In addition to restricting the withdrawal of the housing provident fund for real estate speculation or other speculation, the "Notice" proposed "support the withdrawal of the housing provident fund to pay the rent."
The "Notice" states that if the tenant of the provident fund, spouse and minor children do not have their own housing in the administrative area of that municipality, they may withdraw the fund from Provident to pay the rent.
The "Notice" states that after three months of continuous payment of the housing accumulation fund, it is possible to request the withdrawal of 600 yuan / month pension fund for the payment of rent without provide the lease and invoice. It can be extracted once every six months.
An employee who can provide a lease registration certificate and an invoice may submit his claim during the period of validity of the lease and the amount of the withdrawal does not exceed 40% of the average monthly salary of the employee. The building of the rented house has an area of more than 90 square meters, and the rent exceeding the area is not included in the extractable amount. The extraction frequency is also extracted once every six months.
In addition, the "Notice" states that if the public rental housing in this municipality is rented, the application will be made in the period of validity of the lease, and the amount of the withdrawal shall not exceed the rent paid.
Example Q & A
1. Q: If one of the payers and spouse or minor child has an apartment in the city, can the depositor withdraw the provident fund to pay the rent?
A: No. It is necessary to fulfill the conditions so that the applicant, the spouse and the minor children do not have independent housing in the administrative area of this municipality.
2. Q: If the lease is signed in the name of the applicant or the spouse, in accordance with the rent rental conditions, can the spouses both withdraw the contingency fund to pay the rent?
A: Yes.
(Text / Jia Zheng, Guangbao Press Reporter)
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