According to the new provident fund policy, the loan quota is linked to the length of deposit. Some netizens questioned that the policy has hit the needy. Loan quotas for young people who have not worked long have dropped from 1.2 million to several hundred thousand, leading to just exiting the market. In this regard, the relevant person in charge of Beijing Housing Provident Fund Center explained that, from the actual situation, the people who applied for Beijing Provident Fund loans have been after 70, 80 as the main body, the proportion of loans after 90 is not large.
The night before last, the Beijing Housing Provident Fund Center issued the Notice on Adjusting the Housing Provident Fund Personal Housing Loan Policy. Yesterday, Beijing housing provident fund center on the issue of public concern after the new deal was answered.
The new deal is due to insufficient fund?
There is no shortage of funds in Beijing provident fund.
The person in charge said that many places in the outside world adopt the method of linking the loan quota with the deposit quota of the provident fund, and Beijing adopts the method of linking the deposit period to better reflect a fairness. On the one hand, if the loan amount is linked to the deposit balance, it is beneficial to the high-income group, they can pay according to the ceiling proportion of the provident fund. And many low-income groups of provident fund deposits are generally relatively low, for them this way is very unfavorable. Some speculators can even arbitrage through financial means. On the other hand, the loan quota linked to the length of deposit, is conducive to the tenant to withdraw the provident fund, if linked to the balance of deposit, then many renters dare not mention the provident fund, because it will affect the loan quota. The new Beijing provident fund scheme can be regarded as a support for young people who rent houses. Beijing last year rent extraction provident fund is about 750 thousand strokes, involving an amount of up to about 8000000000 yuan. Therefore, Beijings new provident fund policy is not measured from the amount of funds, but to serve therent and purchaseof new ideas.
Does the new deal lead to just out of the market?
It has little effect on real rigid demand.
According to the new provident fund policy, the loan quota is linked to the length of deposit. Some netizens questioned that the policy has hit the needy. Loan quotas for young people who have not worked long have dropped from 1.2 million to several hundred thousand, leading to just exiting the market.
In this regard, the relevant person in charge of Beijing Housing Provident Fund Center explained that from the actual situation in Beijing, the people who applied for Beijing Provident Fund loans have been after 70, 80 as the main body, only from the situation in 2017, 47,000 loan applications, after 70, 80 accounted for about half of the proportion, after 90 loans do not account for a large proportion. Most of the 70 and Post-80 years have exceeded or nearly 12 years. Of course, we need to redefine what is rigid demand. For example, just graduated college students,six walletspurchase of this is not just needed, it is worth discussing.
Does the provident funds interim payment affect the calculation period?
Payment by accumulated month
After the new policy of provident fund was issued, many citizens mentioned that they had interrupted the payment of provident fund because of job change and other reasons. How to calculate the deposit period in this way?
In this regard, the Beijing housing accumulation fund center responsible person said, broken pay according to the cumulative month calculation. Those who pay less than one year will calculate according to one year. Even if there is an interruption in the middle, the applicant can add up the months accumulated before and after the interruption and divide them by 12. If the number obtained is an integer, then the number is the length of the deposit; if there is a surplus, then the integer + 1 can be used to determine the length of the deposit. For example, if an applicants accumulation fund has been deposited for 13 months, the deposit period is 2 years; if the deposit period is 25 months, the deposit period is 3 years.
In addition, if the staff and workers in Beijing have previously worked in other places and paid the provident fund, the local provident fund management department may issue a certificate of payment. After examination and verification, the foreign years of deposit may also be included in the total deposit period.
What are the conditions for extracting funds from different places?
Different place purchase judgment mainly depends on household registration.
From September 17, according to regulations, the depositors and spouses of housing provident fund can purchase houses located in the administrative region of Beijing, or houses in counties, cities or provincial capitals where the residence registration is located, as recorded in their own and their spousesID cards and household registration books.
How to judge the household registration? Beijing Housing Provident Fund Management Center, the relevant person in charge told Beijing Youth Daily reporter, household registration to the provinces on the household registration book. If Lin is a Fujian native, he will stay in Beijing after graduation and settle down in Beijing, then Lin will return to the county and city where he originated as well as the provincial capital to buy a house from September 17, and can not handle the withdrawal of housing provident fund in Beijing. But if Lin had used commercial loans to buy a house in other places, and later transferred to Beijing because of work, under the name of no house, and then buy a house can still deal with the housing provident fund purchase withdrawal. According to the two suites way to extract the provident fund.
No major diseases will be extracted?
Serious illness leads to difficulties in life support extraction
The new policy of provident fund proposed to cancel in principle the major illness withdrawal stipulated in the Notice on the Issue of Extraction of Housing Provident Fund from EmployeesFamily Emergencies. Then, under what circumstances can apply for withdrawal of serious illness? The above-mentioned person in charge told the North Qingdao reporter, if the deposit of staff and workers due to serious illness does cause difficulties in life, can still apply for withdrawal of serious illness, provident fund management center in the unit and hospital after verification, will still support the withdrawal. According to the previous way, as long as the diagnosis of a disease certificate can be withdrawn, in recent years, the number of serious illness withdrawal of provident fund rapidly increased, auditors found a lot of forged material fraud. The new deal is to prevent such a behavior of cheating the provident fund.
What are the ways for migrant workers to withdraw their provident fund?
There are three kinds of extraction, transfer and sales account.
The new policy readjusts the policy of withdrawing household registration for migrant workers and units to dissolve their labor relations. The original policy requires checking household registration information. This simplifies the checking requirements and no longer checks the household registration book. Considering the mobility of migrant workers, the household registration of the employees in the city is foreign. They can go to other provinces and cities for housing due to job changes. Provident fund transfer procedures in other places; if not established in the local housing provident fund, sealed in the original unit, age reached 55 men, 50 women, can directly handle the withdrawal of the seller. For example, the deposit of staff and workershousehold registration is Yancheng, Jiangsu Province, and the unit terminated the labor contract, leaving Beijing to return home, the age of 55 years old, holding the original ID card can apply for non-city household registration deposit of staff and workers to withdraw.
In response to netizens who said the new policy made it more difficult for migrant workers to extract the provident fund, the relevant person in charge of Beijing Housing Provident Fund Center said that compared with the past, the national provident fund transfer platform has been put on line, the transfer of provident fund between different places is very convenient. At present, there are three ways for migrant workers to withdraw the provident fund. The first way is to purchase a house in another place, the second way is to transfer it to another place, and the third way is to withdraw the provident fund from the seller. Therefore, it is not more difficult for migrant workers to withdraw the provident fund than before, and the method of withdrawal is more flexible.
What are the consequences of illegal extraction of the provident fund?
The disciplinary period increased from three years to five years.
The person in charge of the Beijing Housing Provident Fund Center said that the management center immediately frozen the account of the employees who had withdrawn the housing provident fund in violation of the regulations, ordered them to return the amount withdrawn in full, and recorded their personal information in the bad information database, and refused to handle the housing reserve within five years from the date of discovery of the violation. Gold extraction, not accept housing provident fund loan application. At the same time, the bad information should be copied to the Municipal Bureau of industry and commerce, the Municipal Commission of letters and commissions according to the regulations, and joint punishment should be implemented. If the personal housing provident fund account is transferred to another place, the illegal withdrawal records will be transferred with the personal account.
Source: Beiqing Net - Beijing Youth Daily editor: Ji Guo Jie _NBJ11143