Nanjing revised the rules for the deposit, withdrawal and loan of provident fund, which will be implemented next month.

On April 28th, the reporter learned from Nanjing Housing Provident Fund Management Center that the center published three revised documents, namely, Nanjing Housing Provident Fund Deposit Rules, Nanjing Housing Provident Fund Withdrawal Rules, and Nanjing Housing Provident Fund Loan Rules, and fine-tuned some of the original clauses, such as increasing the conditions for personal credit to affect loans, renegotiating loan terms, and confirming the scope of information use. It is reported that the new regulations will be officially implemented on May 1, 202 1.

Deposit items

1. Deposit registration of freelancers

Article 6 of the Detailed Rules: Freelancers shall cancel their household registration books and employment unemployment certificates with the proof of registration.

Interpretation: In order to further streamline the work materials, freelancers in this city mainly pay social security personnel with household registration in this city and apply for employment and entrepreneurship certificates. Freelancers only need to provide proof of payment of personal flexible employment insurance when paying housing provident fund.

2. The upper limit of deposit base and deposit ratio.

Article 11 of the "Rules" adds "the deposit base shall not exceed 3 times of the average wage of employees in the previous year announced by the municipal statistics department. The contribution ratio of housing provident fund ranges from 5% to 12%, which is chosen by the unit independently, and only one contribution ratio is set for the same unit.

Interpretation: The lower limit of the housing provident fund deposit ratio is 5%, and the highest shall not exceed 12%. When a unit establishes a housing provident fund account, it can choose independently within the range of 5%- 12%. According to the "Code for the Collection of Housing Provident Funds", the proportion of employees in the same unit should be consistent, and the ratio of employees to employees should be consistent. This policy has been implemented at present.

3. On the issue of monthly payment.

Article 13 of the "Rules" increases the deposit of housing provident fund. "If the employee's personal account is not transferred in time or the unit fails to go through the formalities for confirming the transfer of personal account in time, it will be paid monthly."

Interpretation: If the employee's personal account is not transferred in time or the unit fails to confirm the personal account transfer in time, it will affect the employee's normal application for provident fund loans. In this case, if the employee pension insurance is paid in the new unit, the provident fund can be paid monthly, which is regarded as continuous payment, and does not affect the employee's application for housing provident fund loans. This policy has been implemented.

Extract an article

4. About the purchase of commercial housing for sale.

Article 5 of the "Detailed Rules" classifies the purchase of pre-sold commercial housing and the withdrawal of housing provident fund from the commercial housing for sale as one category.

Interpretation: At present, commercial houses in Nanjing, whether pre-sold or now sold, are purchased directly from developers by employees. The difference is that the pre-sold commercial housing does not have the delivery conditions, and it is temporarily impossible to apply for the real estate license. The commercial housing sold now has the delivery conditions and can apply for real estate license at any time. After the employees sign the purchase contract and register with the housing management department, the purchase behavior is legal and valid, and they can apply for the purchase and withdraw the housing provident fund with the relevant purchase contract and payment invoice.

5, about the purchase of stock room extraction.

Article 6 "Detailed Rules" When employees purchase stock houses, they shall provide the number of the Stock House Sales Contract.

Interpretation: At present, Nanjing stock house sales contract needs online signing. After the employee is authorized, he can inquire about the contract information, especially the housing transaction price, through the contract number, so as to determine the withdrawal amount of employee housing provident fund. The contract number can be queried online through the "My Nanjing" APP.

6. About renting a house.

Article 25 of the "Rules" simplifies the rent extraction materials, and Article 26 stipulates that the rent extraction time interval should be greater than or equal to 12 months.

Interpretation: The policy of relaxing rental conditions and streamlining rental materials has been implemented. However, in recent years, at the beginning of each year, the online rental extraction business surged, system access was congested, and employees' online extraction experience was poor. In order to avoid excessive concentration, the time interval of rent extraction should be adjusted to be greater than or equal to 12 months.

Loan article

7. Relevant provisions on outstanding provident fund loans.

Article 5 The family shall be the unit of provident fund loan, that is, husband and wife and minor children. If the borrower or spouse has applied for provident fund loans, they cannot apply for provident fund loans again before paying off the principal and interest of the loans. If the husband and wife are divorced and have outstanding provident fund loans, the agreed property shall be owned by the main borrower and the loans shall be returned by the main borrower. If the original spouse settles its remaining loan share, it shall be deemed that the original spouse's provident fund loan has been settled.

Interpretation: provident fund loans are based on families. Before the principal and interest of the provident fund loan are settled, neither party may apply for the provident fund loan again. The loan is not settled, the husband and wife divorce, and the property belongs to the main borrower. The original spouse of the main borrower has settled his loan share (whether the original spouse participates in the loan depends on the loan conditions, and the original spouse has not paid the provident fund or has no share that does not meet the loan conditions to be settled). The original spouse can apply for provident fund loans when buying a house. However, the number of loans in the above situation is still valid, and the original spouse needs to calculate the existing number of loans when buying a house again.

8. About personal credit

Article 7, paragraph 5, of the Detailed Rules stipulates that when a borrower applies for a provident fund loan, it shall not issue the loan under any of the following circumstances: overdue loans are still outstanding, or the guarantor compensates or disposes of the collateral to return the loan; Quasi-credit card or credit card overdraft is overdue; In the past 5 years when applying for a loan, the accumulated loans overdue of the settled provident fund has reached more than 6 periods (inclusive); There are debt disputes that have not been registered by the relevant departments.

Interpretation: The credit information listed in the detailed rules is based on the query results of loan applicants and their spouses in the personal credit information system, provident fund loan information system and other relevant information released by authorized units, and some clauses have been added this time.

9. About the loan term

Article 10 the loan term of these rules. In principle, the sum of the borrower's actual age at the time of applying for a loan and the number of years of applying for a loan shall not exceed his statutory retirement age, and the actual age at the time of applying for a loan shall be rounded off. For borrowers who have continuously paid the housing provident fund in full for more than 5 years (inclusive) and have stable income, good reputation and the ability to repay the principal and interest of the loan, the loan term can be relaxed to 1-5 years after the statutory retirement age of the borrower.

Interpretation: From the perspective of employees, the longest period for applying for a loan is from the age when applying for a loan to the retirement age; From the perspective of purchased houses, the loan application period and the age of purchased houses cannot exceed 70 years (the serviced apartments with residential land nature cannot exceed 65 years). The longest loan period for commercial housing and affordable housing (* * * affordable housing) shall not exceed 30 years, and the longest loan period for existing housing shall not exceed 20 years. According to the above results, the minimum value is the maximum loanable period.

10. About the use of * * * enjoyment information

Article 8 of the Detailed Rules: The borrower and spouse shall sign a power of attorney when applying for a loan. Entrusted banks and provident fund centers can inquire, print, save and use personal credit reports, household registration, marital status, real estate registration, mortgage and house purchase contract filing information through the financial credit information basic database established by the state, real estate transactions, real estate registration, marriage registration, public security, taxation and other departments, or through other authorized third-party legal channels.

Interpretation: It is clear that it is necessary to obtain the authorization of the loan applicant and spouse when handling the provident fund loan business, so as to verify the actual situation of the loan applicant and spouse by checking the loan information, reduce the loan application materials and improve the efficiency of loan approval. Without authorization, you can't inquire about the relevant information of the loan applicant and spouse. If the obtained * * * enjoyment information is inconsistent with the actual situation of the loan applicant and spouse, the borrower and spouse shall cooperate.

Yangzi Evening News reporter Ma Yibo

Gu Wenjun, media editor of Nanbao.

Source: Yangzi Evening News Network