The new measures of the provident fund system will further expand the scope of benefits
2022-02-15
Provident fund is a system with Chinese characteristics. Due to the low interest rate of house purchase loans, it is very popular. At the end of 2020, the accumulated housing accumulation fund was about 19.6 trillion yuan, about 12.3 trillion yuan was withdrawn, and about 11.1 trillion yuan of personal housing loans were issued. Now, what are the new measures of the provident fund system? Non local provident fund Mr. He works in a biomedical material company in Chengdu, and the provident fund is also deposited and paid in Chengdu. In recent years, due to the need of work, Mr. He has been resident in Fuzhou and bought a set of real estate in Fuzhou in 2021, but he was worried about withdrawing the provident fund. Do you want to go to Chengdu to withdraw money? Is there a way to withdraw provident fund in Fuzhou? He came to Fuzhou's provident fund window for consultation and learned that he only needs to hand over the extracted materials to the provident fund center, which will handle the application procedures. All materials will be scanned and transmitted to Chengdu housing provident fund management center, and the provident fund can be extracted without going to Chengdu. Just four days later, Mr. He received a notice that the Chengdu housing provident fund management center had passed the withdrawal application, and the provident fund of more than 90000 yuan would be received immediately. Mr. He has also become the first customer in Fuzhou to handle the "inter provincial general office" provident fund business. Before the "inter provincial general office" business is realized, employees who deposit and pay provident fund in other provinces must return to the place of deposit to handle relevant business, which not only requires time-consuming and laborious "turn back and run in two places", but also costs a lot of travel expenses. Like Mr. He, more and more people enjoy the convenience of "inter provincial office" of housing provident fund. 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 "inter provincial office" of three matters in 2020, the "inter provincial office" of five service matters such as "registration and account opening of housing provident fund units" will be realized as scheduled in 2021, that is, at present, eight high-frequency matters of provident fund have been realized. Up to now, all localities have set up 6460 offline special windows and 1364 online special areas for the "inter provincial general office" business. Through the three service modes of whole process online office, collection agency and joint office between the two places, more than 23.38 million businesses have been handled, a total of 78.47 million deposit employees have used small procedures, applied for 840000 off-site transfer and continuation businesses, and the transfer amount is 8.3 billion yuan. The average processing time of joint business between the two places has been shortened from 14 working days to 7 working days, and the average processing time of remote transfer and continuation business has been shortened from 11 working days to 6 working days. Flexible employment can also run provident fund As we all know, for a long time, the provident fund system is for the employees paid by the unit. The sum of the amount paid by the unit and the amount paid by the employees themselves constitutes the total amount of provident fund paid every month. Due to the low interest rate of provident fund loans, many flexible employees also look forward to being able to deposit and use provident fund. 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 were identified as the first batch of pilot cities for flexible employees to participate in the housing provident fund system. In addition, Xi'an and other places have also carried out relevant work as "Observer" cities. How much provident fund does flexible employment personnel pay each month and how to calculate the loan amount? According to the pilot scheme of Guangzhou, Guangzhou only sets a lower limit and no upper limit for the deposit amount of flexible employees. Guangzhou can declare the deposit amount on a monthly basis and adjust it on a monthly basis. The minimum deposit amount is: the deposit base is no less than the minimum wage standard of Guangzhou, and the deposit proportion is no less than 10%. At the same time, flexible employment loans can only buy the first house, and can only use the housing provident fund loan once. The minimum participation and deposit time before the loan is 24 months. The loan limit is derived from the deposit contribution of the depositor. It is calculated according to the product of the average daily deposit balance of the account and the deposit loan coefficient corresponding to the deposit time. The maximum loan limit is the same as that of the on-the-job depositors. The number of flexible employees in China has reached 200 million. If a large number of flexible employees can be included in the scope of the provident fund system, it will better reflect the "sound flexible employment and social security policies" and is expected to help more flexible employees solve the housing problem. Benefit more people In the past, it mainly supported the deposit workers to buy houses, but now it strongly supports the simultaneous development of rent and purchase. The housing provident fund is expanding the benefits of the system to better support the basic living needs of the majority of provident fund deposit personnel. Xu Zhiyi, a 24-year-old girl, chose to rent a house after working in Guangzhou in 2021. The project she is renting is the pilot project of "monthly rent repayment" of Guangzhou housing provident fund. Xu Zhiyi applied for the automatic repayment business using the balance of housing provident fund account, and now realizes the automatic withdrawal of housing provident fund to pay rent on a monthly basis. This business is also popular with housing rental enterprises. For them, the customers who pay the rent monthly with the housing provident fund are very stable, which will reduce their management costs. Therefore, housing rental enterprises give special concessions to customers who use the housing provident fund to pay the rent on a monthly basis: not only the rent deposit is exempted, but also the rent is discounted. Shanghai has made efforts to relax the conditions for withdrawing housing provident fund to pay rent. It is reported that in 2021, there were 957000 people handling rental withdrawal business in Shanghai, 94% of whom were new citizens and the withdrawal amount was 12.3 billion yuan. The transformation of old residential areas is being accelerated nationwide, and the housing provident fund system is also helping. Since 2021, the Department of housing and urban rural development has issued policies to support residents of old urban communities to withdraw housing provident fund for elevator installation and self housing transformation. In some cities that have implemented the installation of elevators to withdraw the housing provident fund, it is more convenient to withdraw the provident fund 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 provident fund integration makes the use of provident fund in metropolitan areas and urban agglomerations more convenient. With the acceleration of regional integration, metropolitan areas and urban agglomerations are taking shape, and people and funds are flowing freely, which also gives birth to the demand of housing provident fund depositors for deposit and use in other places. In this context, the integration of housing provident fund has made rapid progress. In recent years, the Yangtze River Delta region, Chengdu Chongqing region, Guangdong Hong Kong Macao Dawan district and Jiaodong economic circle have actively promoted information sharing, mutual recognition and mutual loan of housing provident fund. Not long ago, the strategic cooperation conference on the high-quality development of housing provident fund in the Yellow River Basin was held. Eight provincial capitals reached a loan mutual recognition mechanism to actively promote the regional integration of housing provident fund. When the employed population of some cities spills over to neighboring cities, the scale of cross regional house purchase groups is increasing. The regional integration of housing provident fund provides support for this kind of groups and helps regional coordinated development to a higher level and higher quality. The person in charge of relevant departments and bureaus of the Ministry of housing and urban rural development said that in the future, we will continue to expand the coverage of the housing provident fund system and allow more employed groups to enjoy the housing provident fund services; We will further optimize the use policy of provident fund, support depositors to rent and purchase at the same time, and solve the basic housing problem; We will improve the standardization, standardization and facilitation of housing provident fund services and promote the construction of smart housing provident fund. (Xinhua News Agency)
Edit：He Chuanning Responsible editor：Su Suiyue
Source：ECONOMIC DAILY
Special statement: if the pictures and texts reproduced or quoted on this site infringe your legitimate rights and interests, please contact this site, and this site will correct and delete them in time. For copyright issues and website cooperation, please contact through outlook new era email：lwxsd@liaowanghn.com
Economy
Recommended Reading Change it 
Home
