(The 11th ordinary meeting of the People's Government of South Africa, 2 March 2012, considered the adoption of Decree No. 5 of 31 March 2012 by the Government of the South Innin City of South Africa, effective 1 May 2012.

Chapter I General

In order to strengthen the management of housing pools and to preserve the legitimate rights and interests of workers, this approach is developed in the light of the State Department's Housing Quantification Regulation and the relevant legal, regulatory provisions.

Article 2, this approach applies to the collection, extraction, use, management and supervision of housing payments within the city's administration.

This approach applies to the contribution, extraction, use, management and supervision of the MERCOSUR housing deposit.

Article 3 of this approach refers to the special long-term housing reserves paid by State agencies, State-owned enterprises, town-crowth enterprises, foreign-invest enterprises, private enterprises in towns and other towns, business units, civil service units, social groups (hereinafter referred to as unit) and their active workers on a monthly basis in accordance with the employee's salary.

The above-mentioned employee refers to all categories of personnel working in the unit and paid by the unit. These include jobs, but for reasons such as learning, sickness and maternity leave for a period of six months, those paying wages by units, as well as active workers associated with the unit's de facto labour relations, foreign nationals and workers from ports, tanks and units retained labour relations with units, except those who do not pay wages.

Article IV is composed of heads of relevant departments, such as the Southern Honduran Housing Administration Commission (hereinafter referred to as the Commission), the heads of the Municipal Government, the heads of the Southern Inn Railway Office and the People's Bank's offices in this city, the South Inn City, housing security and property management, finance, audit, etc., as well as relevant experts, trade union representatives and employees' representatives, unit representatives, etc., are the decision-making body responsible for the management of housing pools within the city's administration.

The Director of the Commission, the Deputy Director, was appointed by a person with a social credibility, with all members.

Article 5 CANS (hereinafter referred to as the Management Centre) is responsible for the implementation of the decisions of the Committee, the management and operation of the housing pool.

The Management Centre may establish branches in accordance with the provisions. The Management Centre has harmonized regulations and harmonized accounting with its branches.

Chapter II

Article 6 units and their in-service workers shall be paid in full and on time.

The personal contributions of the employee and the unit of the unit of the employee are the owner of the worker.

Accumulate housing payments made by units and workers are not taken into account in the personal pay, salary income and are exempted from personal income tax by law.

Article 7. The Management Centre shall entrust the Committee with the procedures for the establishment, storage, restitution and return of the treasury-designated commercial banks (hereinafter referred to as the entrusted bank) for the processing of housing credits, financial operations, etc.

The Management Centre shall enter into a commissioning contract with the licensee.

Article 8 units shall, within thirty days of the date of their establishment, be licensed by the holding of units, the organization of the code of the institution, the status of the consulate to the management centre for the registration of the treasury and the establishment of the staff housing deposit account.

Units and employees registered changes in information relating to the management of housing credits, or employees should be registered at the Management Centre within thirty days of the change date.

The merger, separation, disbandment or insolvency of units shall be registered or cancelled by the original unit or liquidation organization within thirty days of the date of the preceding statement.

Article 9. Units shall be registered with the staff member within thirty days of the date of publication, the certificate of employment of the licensee, the identification of the employee and the status of the registrar to the Management Centre for the registration of the treasury, the establishment or transfer of the treasury account.

Employers and units shall terminate or dissolve labour relations, personnel relations, and units shall be registered at the Management Centre within thirty days of the date of termination of labour relations, the residence of the employee's housing account or the transfer procedure.

Article 10 units shall transfer units to the housing pool within five working days from the date of the monthly payment of the employee's salary and the contributions of the employee.

Upon payment, the Management Centre should allocate the corresponding funds to the FCF accounts in a timely manner, as required.

Article 11 Individual housing deposits are closed on a year-by-year basis, on 30 June each year.

The new worker participating in the work started to pay the housing stock in the second month of the work. The new united employee has paid a housing credit from the date of the payment of the salary from the unit. Outposts, seconded workers are responsible for the payment of housing credits by units working with workers and personnel relations, as well as by agreement.

Article 13

The monthly contribution of the unit to the housing pool for the employee was donated by the percentage of the unit's housing stock.

Employers' wages are deducting the balance of the monthly contributions of the employee's housing deposit, which may not be less than the annual minimum wage for the current city, less than the current minimum wage for the year, and the monthly contribution of the employee's housing stock could be properly reduced, but the amount of the monthly contribution of the unit to the payment of the housing treasury.

Article 14.

Article 15

In accordance with the previous set of contributory base payments, the Management Centre calculated the cap for the year's occupancy of the commune housing treasury, which was launched by the Committee by 30 June each year.

Article 16 Proportion of contributions made by units and staff housing units, which are actually developed by the Committee, is made public by the Government of the city and by the Government of the self-government.

The units and their employees shall pay their housing credits in accordance with the declared proportion of contributions.

Article 17 requires that units apply for a reduction in the proportion of contributions and a reduction in the payment of housing payments, which shall be adopted by the General Assembly of Employers of the Unit or by trade unions, with the approval of the Committee by more than two thirds of all employees and by the Management Centre.

One of the following cases is the fact that there is a difficulty in the payment of housing payments by a normal proportion or by the prescribed time, which may apply for the reduction of the proportion of the housing treasury or the suspension of the deposit fund. The decrease in the number of FCs shall not exceed 5 per cent:

(i) The average monthly wage of the unit worker in the previous year is less than 50 per cent of the average monthly salary for the previous year in the current city, and the corporate economic benefits have not been improved in the year;

(ii) The payment of social insurance by law;

(iii) There are other special difficulties.

Article 19, which reduces the proportion of contributions and reduces the amount of contributory housing payments for a period not exceeding one year, still needs to be reduced by the proportion of contributions or by the deduction of contributions after one year's expiration, should be re-appointed for processing the reduction of the proportion of contributions or the suspension of the payment process.

The percentage of the unit's economic benefits or the economic conditions that have been allowed to reduce the proportion of contributions should be restored, with the economic benefits of the units granted for the payment of the housing treasury or the economic situation being improved.

Article 20 was dissolved and cancelled, and its unpaid housing payments should be added.

The combination, separation or repayment of unpaid housing payments at the time of the consolidation, separation or re-engineering shall be the subject of a clear repayment of the treasury arrangement.

Business declared bankruptcy under the law and unpaid housing bonds should be included in the first liquidation order.

Article 21

The proportion of contributions paid to the housing pool shall not be less than 5 per cent, and the conditionality may be implemented by the proportion of contributions paid for the corresponding year.

Chapter III

Article 2 includes one of the following cases in which the worker may apply for the extraction of the housing pool:

(i) buying, constructing, renovating and renovating homes;

(ii) Reimbursement for the purchase of home loans;

(iii) Rental of housing over 15 per cent of household income;

(iv) Other circumstances that may be drawn by the State, the autonomous region.

This approach refers to housing that is owned by the worker and has ownership of the house, including self-construction, full pooling, cooperative construction, affordable housing, general commodities.

The balance in the post-community housing deposit account should be less than 100. When the housing balance is higher than 7 per cent, the Management Centre may, with the approval of the Committee, make appropriate improvements to the retention of the balance in the post-exploitation housing credit account, the maximum amount of the reservation shall not exceed one year's contributions.

Article 24 requires workers to extract a housing pool and shall apply to the Management Centre and submit the relevant material as requested.

The Management Centre shall, within three working days of the date of receipt of the application, decide whether to grant the withdrawal. Receiving, funds should be transferred to the applicant's housing pool accounts or other accounts endorsed by the management centre without paying cash. The reasons should be given in writing without granting the withdrawal.

Removal of housing payments by means of deception, such as the provision of false evidence.

Article 25

(i) Removal, retirement;

(ii) Residence;

(iii) Work outside the HFAMS;

(iv) Full or partial loss of labour capacity and termination of labour relations and personnel relations with units;

(v) No new labour, personnel relations have been established for two years after termination of labour, personnel relations with units;

(vi) Death or death.

Post-house workers can draw on the balance of storage in the FGM accounts. Employers die or have been declared dead, their successors, the survivor's grantees can draw on the storage balances in the treasury accounts of the employee's home; unspeakables are not granted and the balance of storage in the PFF accounts is added to the value added of the housing pool.

Article 26 Employed, constructed, renovated and renovated homes within the city's administrative area and may apply for housing credits:

(i) The time limit for the regular deposit of housing payments prior to the application of the loan;

(ii) The proportion of the first payment for the purchaser is less than the amount specified;

(iii) There is a stable economic income, credibility and ability to repay loans;

(iv) Provision of security recognized by the Management Centre;

(v) The borrower, the co- borrower, who has not yet done so;

(vi) Other conditions established by the Committee.

In accordance with the rate of use and surrender of the housing deposit in this city, the Board determines the number of annual and first-time payments for the first and second-mentioned housing stock in the previous paragraph and made available to society.

Article 27 requires the employment of the worker to apply for a treasury loan to the Management Centre.

The Management Centre has reviewed the loan application within ten working days from the date of receipt of the application, made a decision to grant or not grant the loan and informed the applicant.

Upon the granting of a loan by the Management Centre, the applicant shall enter into a contract with the licensee to process the loan process.

It is prohibited to deceive housing credits by means of deception, such as the provision of false evidence.

In accordance with the average income levels of workers in this city, the level of housing prices and the size of the housing pool, the Committee determines the maximum amount of the loan and is made public to the society.

Article 29 of the borrowing applicant's credit period shall not exceed its statutory retirement age, but the borrower's applicant shall receive more than five years of continuous and full payment of the housing treasury, which may be extended to one to five years after the mandatory retirement age. The housing credit period is up to thirty years.

Article 33 The borrower shall, in accordance with the borrowing contract, agree on the payment of the money and interest on time, the borrower shall not return the loan in accordance with the contract agreement, and the management centre shall have the right to require the guaranteer to return the loan and the interest or to give priority to the security right.

Article 31 Business development enterprises shall not obstruct or reject the choice of housing credits by the purchaser when selling the commodity premises, and the purchaser who choose housing credits and commercial bank loans shall apply the same sales price and shall not increase the conditions for the purchaser who choose to choose a housing credit.

Article 32, subject to the granting and loan of a housing bond, the Management Centre may, with the approval of the Committee, use the housing pool for the purchase of State debt and other purposes permitted by the State.

The value-added benefits of the housing bond should be added to the housing pool for the establishment of a reserve for the risk of a housing credit, the management of the Centre and the supplementary funds for urban housing construction and other purposes permitted by the State.

Chapter IV Oversight management

Article 34 Management centres are responsible for the preparation of housing pools, the use of plans, and in the preparation of the observations of the municipal financial sector.

In accordance with the established criteria, the Management Centre prepares total budget expenditure, with the approval of the city's financial sector, which is funded from the financial sector of the city, from the MSF-Groot-Groot-Financies.

The management costs of the branch are vested in the commune financial sector, with the approval of the Management Centre and the approval of the municipal financial sector, from the subsector's housing value-added benefits.

Article 36 Budgets for housing payments prepared by the Management Centre shall be submitted for consideration by the Committee after the approval of the municipal financial sector. The financial accounts and management costs developed for the housing treasury shall be reported to the financial sector for the approval and reproduction of the audit body.

The Management Centre shall submit a financial report to the city's financial sector and the Committee on Management within two months of the end of the year, which will be made available to the community for the use of the last annual housing deposit.

Article 37 should conduct regular audit oversight of the authenticity, compliance and effectiveness of the management and use of the housing pool and conduct an economic responsibility audit of the head of the management centre.

Article 338, the Management Centre and the delegated banks should be subject to supervision by the branches of the People's Bank in this city of the establishment of the Housing Quantification Account, the implementation of the interest rate policy, the extraction of use, and the granting of loans.

Article 39 should establish a robust internal oversight mechanism to carry out cross-reviewing, internal auditing of the collection, extraction and loan status of housing payments.

Article 40. The Management Centre conducts a monitoring inspection of the unit's deposit of housing payments by law, and the inspectorate shall provide, as required, information relating to the payment of housing payments, the salary scales, the financial statements and so forth.

Article 40 violates the scheme's non-implementation of the housing credit system, the payment of the housing pool, which should be published in the enterprise credit information system.

Article 42 acts in violation of the regulations, regulations and regulations governing housing, which may be reported to the Management Centre.

The complainants, the author's complaint and the reporting period shall submit the relevant evidence.

The Management Centre received complaints, reports should be processed in accordance with administrative law enforcement procedures and informed the complainant, the reporting person in writing of the results.

Article 43 does not provide for the registration, closure, transfer, enlightened and house crediting procedures for the processing of changes in the home account by the employee in accordance with this scheme, and the worker may apply to the Management Centre for approval; and, if so, the unit is still not in operation within the prescribed time period, the Management Centre may apply directly to the staff.

Article 44 Employers, units have the right to search for the collection, extraction of their own deposit, the management centre and the licensed bank.

The balance of storage in the housing pool accounts may be subject to review by the authorized bank; the results are contested and the management centre may apply for re-entry. The Management Centre and the entrusted banks shall provide written replies within five working days from the date of receipt of the application of the staff, units.

Article 42 Violations of the regulations, regulations were not found within two years and were no longer valid.

The deadlines set in the preceding paragraph are calculated from the date of the violation of the regulations, regulations and regulations on housing; violations of the regulations, regulations and regulations are continuing or continuing.

Chapter V Legal responsibility

Article 46, in violation of article 6 of this approach, provides that the donated or donated housing payments are made by the management centre for the duration of the period of time, and that the delay remains unanticipated, can be applied to the people's courts in accordance with the law.

In violation of article 8, paragraph 1, article 9, paragraph 1, of the present scheme, the unit shall not conduct the registration of the treasury of the treasury or shall not establish the formalities for the treasury accounts of the employee of the unit, which shall be charged by the management centre for a period of time, and the fine of up to 50,000 dollars.

Article 47 consists of one of the following cases, with the responsibility of the Management Centre for the replacement of its deadlines; the impossibility of the delay could impose a fine of more than 1,000 dollars in the unit and fine of up to $50 million in the head responsible for direct responsibility:

(i) In violation of article 8, paragraph 2, paragraph 3, of the present approach, article 9, paragraph 2, provides that changes in the housing pool account are registered, cancelled, sealed or transferred;

(ii) In violation of article 40 of this approach, obstruct the supervision of the management centre without providing information on the roster of workers, salary tables, financial statements, etc., relating to the management of housing.

Article 48 violates article 24 of this approach by deceiving a housing deposit by means of deceasing, and by the management centre responsible for the return of the proceeds of the violation and may impose a fine of more than 1,000 dollars, which constitutes an offence punishable by law.

Article 49, in violation of article 27 of this scheme, provides for deception of loans to the housing deposit, by the Management Centre to order the borrower to return the loan and to remove its eligibility for housing credits for a five-year period; in the case of serious circumstances and fines of up to $20,000 in the amount of US$ 20,000 in 2000; and criminal liability in accordance with the law.

Article 50 Development of property is in violation of article 31 of this approach by the management centre for the period of time being reordered; the refusal to change is punishable by a fine of more than one million dollars to inform the relevant administrative authorities of the suspension of the approval process for the construction of their new projects and to make them public in the enterprise credit information system.

Article 50 states that the management centre and its staff have one of the following cases, which are made by the Government of the current people, the inspectorate or the superior body responsible for their corrections, in the event of a serious nature, the administrative disposition of the responsible supervisor and other direct responsibilities by law; and criminal liability by law:

(i) The establishment of a housing pool in accordance with the provisions;

(ii) No request for the withdrawal of a housing bond, the payment of a commune or changes in the proportion of the housing deposit;

(iii) No value added for the management and use of housing credits in accordance with the provisions;

(iv) Agencies other than the commercial banks designated by the Commission to conduct financial operations for the housing pool;

(v) The unpaid construction of a lump sum for the housing of the employee;

(vi) An effective voucher for the payment of a housing deposit for the unpaid home-based workers;

(vii) No provision of a housing credit in accordance with the provisions;

(viii) The use of housing fairs in conflict with the law to provide guarantees, purchase corporate bonds or commission money;

(ix) Accreditation of employees, units to search for the collection and extraction of the treasury;

(x) No violation of the provisions of the housing treasury management is determined by law;

(xi) Other acts in violation of laws, regulations and regulations.

Annex VI

Article 52 is implemented effective 1 May 2012.