Did you use the provident fund?

　　Our reporter Kang Shu

　　Provident fund is a system with Chinese characteristics.

It is popular due to factors such as low interest rates on home loans.

At the end of 2020, the accumulated housing provident fund nationwide was about 19.6 trillion yuan, about 12.3 trillion yuan was withdrawn, and about 11.1 trillion yuan was issued for personal housing loans.

Now, what are the new measures of the provident fund system?

　　Provident fund available in different places

　　Mr. He works in a biomedical material company in Chengdu, and the provident fund is also deposited in Chengdu.

In recent years, due to work needs, Mr. He has been living in Fuzhou and bought a property in downtown Fuzhou in 2021, but the withdrawal of the provident fund made him worry.

Do you want to make a special trip to Chengdu in order to withdraw money?

Is there a way to withdraw provident fund in Fuzhou?

　　He came to the provident fund window in Fuzhou for consultation and learned that he only needs to submit the extraction materials to the provident fund center, and the center will go through the application procedures. All materials will be scanned and transmitted to the Chengdu housing provident fund management center, and the provident fund can be withdrawn without going to Chengdu.

　　Just 4 days later, Mr. He received a notice that the Chengdu Housing Provident Fund Management Center has passed the application for withdrawal, and the more than 90,000 yuan provident fund will be credited immediately.

Mr. He has also become the first customer in Fuzhou to handle the "cross-province universal" provident fund business.

　　Before the "cross-province" business is realized, employees who deposit and pay provident funds in other provinces must go back to the place of payment to handle related businesses, which not only requires employees to "run back and forth between the two places", but also spend a lot of money tolls.

Like Mr. He, more and more people are enjoying the convenience of "cross-province handling" of housing provident funds.

　　According to the person in charge of the relevant departments and bureaus of the Ministry of Housing and Urban-Rural Development, on the basis of completing the "cross-provincial handling" of 3 items in 2020, 5 service items including "housing provident fund unit registration and account opening" will be realized as scheduled in 2021. ”, that is to say, there are currently 8 high-frequency matters of provident fund that have achieved “trans-provincial handling”.

　　Up to now, 6,460 offline special windows and 1,364 online special areas have been set up for the "inter-provincial general office" business. Through the three service modes of full online office, agency collection agency and joint office between the two places, more than 23.38 million have been processed. A total of 78.47 million employees have used the Mini Program to apply for 840,000 transfers and continuation services, with a transfer amount of 8.3 billion yuan.

The business processing time has been greatly shortened. The average processing time of the joint business between the two places has been shortened from 14 working days to 7 working days, and the average processing time of the transfer and continuation business in different places has been shortened from 11 working days to 6 working days.

　　Flexible employment can also office provident fund

　　As we all know, for a long period of time, the provident fund system is oriented to the employees who are paid by the unit, and the amount paid by the unit and the amount paid by the employees themselves together constitute the total monthly provident fund contribution.

Due to the advantages of provident fund loans for housing purchases and other advantages, many people with flexible employment also look forward to being able to deposit and use provident funds.

At present, the door of the provident fund system has been opened to flexible employment in some cities.

　　In 2021, Suzhou, Guangzhou, Chengdu, Shenzhen, Changzhou, and Chongqing will be identified as the first pilot cities for flexible employment to participate in the housing provident fund system.

In addition, Xi'an and other places, as "observer" cities, have also carried out related work.

　　How much provident fund should a flexible employee pay monthly, and how is the loan amount calculated?

According to the pilot program of Guangzhou City, Guangzhou City only sets a lower limit and no upper limit for the payment amount of flexible employment personnel.

The minimum payment amount is: the payment base shall not be lower than the minimum wage standard in Guangzhou, and the payment ratio shall not be lower than 10%.

At the same time, the loan for flexible employees can only be purchased for the first home, and the housing provident fund loan can only be used once, and the minimum participation and deposit time before the loan is 24 months.

The loan amount is calculated based on the depositor's contribution, calculated by multiplying the daily average deposit balance of the account and the deposit-loan coefficient corresponding to the payment time. The maximum loan amount is the same as that of the in-service employees.

　　The scale of flexible employment in my country has reached 200 million. If a large number of flexible employment can be included in the provident fund system, it will better reflect the "improvement of flexible employment labor and social security policies", and it is expected to help more flexible employment to solve housing problems problem.

　　benefit more people

　　In the past, it mainly supported the purchase of housing by employees who paid and deposited it, and now it has vigorously supported both renting and purchasing. The housing provident fund is expanding the benefits of the system to better support the basic housing needs of the majority of provident fund depositors.

　　The 24-year-old girl Xu Zhiyi chose to rent a house after coming to Guangzhou to work in 2021.

The project that is catching up with her rental is the Guangzhou Housing Provident Fund's "monthly rent repayment" pilot. Xu Zhiyi applied for the automatic repayment service using the balance of the housing provident fund account, and now realizes the automatic withdrawal of the housing provident fund to pay the rent on a monthly basis.

　　This business is also popular with housing leasing companies. For them, customers who use housing provident funds to pay their rent monthly are very stable, which will reduce their management costs.

As a result, housing leasing companies have given special discounts to customers who use the housing provident fund to pay their rent monthly: not only are they exempted from paying the rental deposit, but the rent is also discounted.

　　Shanghai has made efforts to relax the conditions for withdrawing housing provident funds to pay rent.

According to reports, in 2021, there will be 957,000 people handling rental housing withdrawals in Shanghai, 94% of which are new citizens, with a withdrawal amount of 12.3 billion yuan.

　　The renovation of old communities is accelerating nationwide, and the housing provident fund system is also helping.

Since 2021, the housing and urban-rural development department has issued policies to support residents of old urban communities to withdraw housing provident funds for the installation of elevators and the renovation of their own homes.

In some cities that have implemented the installation of elevators to withdraw housing provident funds, it is more convenient to withdraw provident funds for the installation of elevators.

For example, some cities relax the extraction conditions and increase the extraction frequency, and some cities cancel the extraction time limit or simplify the extraction conditions.

　　The promotion of the integration of provident funds makes the use of provident funds in metropolitan areas and urban agglomerations more convenient.

With the acceleration of the process of regional integration, metropolitan circles and urban agglomerations are being formed, and people and funds can flow freely.

Against this background, the integration of housing provident funds has progressed rapidly.

　　In recent years, the Yangtze River Delta region, the Chengdu-Chongqing region, the Guangdong-Hong Kong-Macao Greater Bay Area, and the Jiaodong Economic Circle have all been actively promoting housing provident fund information sharing and mutual recognition and lending.

Not long ago, the Yellow River Basin Housing Provident Fund High-quality Development Strategic Cooperation Conference was held. Eight provincial capitals reached a mutual recognition mechanism for loans in different places, and actively promoted the regional integration of housing provident funds.

When the employment population in some cities spills over to live in neighboring cities, the scale of cross-regional housing purchasers is increasing. The regional integration of housing provident funds provides support for such groups, and also helps regional coordinated development to move towards a higher level and higher quality. .

　　The person in charge of the relevant departments and bureaus of the Ministry of Housing and Urban-Rural Development said that in the future, the coverage of the housing provident fund system will continue to be expanded to allow more employment groups to enjoy housing provident fund services; the use of provident funds will be further optimized to support depositors. Housing issues; will improve the standardization, standardization and facilitation of housing provident fund services, and promote the construction of smart housing provident funds.