(Summit meeting of the Government of the Hygis of 19 September 2011 to consider the adoption of Decree No. 6 of 8 October 2011 by the Honduran People's Government Order No. 6 of 8 October 2011)

Chapter I General

Article I, in order to strengthen housing treasury management, preserve the legitimate rights and interests of the owners of the housing pool, improve the housing security system and develop this approach in line with the relevant laws, regulations and regulations of the Department of State's Housing Quantification Regulation.

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

The scheme refers to the long-term housing reserves deposited by State organs, State-owned enterprises, collective enterprises, foreign-investment enterprises, private businesses and other towns, business units, civil service units, social groups (hereinafter referred to as “unitions”) and their active workers.

Foreign and port, aucasca, and retired persons do not receive a housing deposit.

Article 3

Article IV. The Municipal Housing Quantifications Management Committee (hereinafter referred to as the “Current Facility”) is the decision-making body for the management of the housing pool within the city's administration.

The Urban Housing Quantification Management Centre (hereinafter referred to as the “Central Fund Centre”) is an active unit of the Government of the immediate city for the purpose of not profiting, responsible for the uniform management and operation of the housing pool within the city's administration; its sub-centres, the Department of Management, which is mandated to administer the housing treasury management functions within the framework of the municipal credit centre's mandate.

Article 5

Sectors and organizations such as finance, housing and rural and urban construction, human resources and social security, civil affairs, business, State asset monitoring, supervision of oversight, quality technical supervision, public safety, tax, audit, inspection, trade unions, should work in collaboration with the management of housing pools in accordance with their respective responsibilities.

Article 6. The management of the housing treasury is governed by the principles governing the decision-making of the ICJ, the operation of the municipal treasury centre, the storage and financial supervision of the bank's exclusives.

Article 7. The CEF shall designate commercial banks entrusted with the processing of housing finance operations, in accordance with the relevant provisions of the People's Bank of China (hereinafter referred to as “cruited banks”), with the signing of a commissioning contract with the vested banks, to entrust them with financial operations.

Chapter II

Article 8. Units and their employees shall be paid in full monthly and full housing deposits, with the responsibility of the employee's units to handle the relevant payment procedures.

The housing credits paid by the individual worker are paid at a monthly rate from their wages.

The Centre should issue an effective voucher for the payment of a housing deposit for the benefit of the worker.

The new unit established under article 9 should have information from 30 days from the date of the establishment to the relevant formalities for the holding of the municipal treasury centre and the payment of the treasury.

In cases such as mergers, separations, withdrawal, insolvency, dissolution or conversion, the remittance payments owed or less, should be included in the liquidation of labour claims and the inability to supplement the payment of housing payments, and the subject of the responsibility for the deposit of the housing deposit should be clarified.

Article 11. Employers who participate in the work or mobilize jobs shall be appointed or transferred from within 30 days of the date of publication and from 30 days from the date of departure.

The new employee who participated in the work started to pay a housing stock in the second month of the work, and the staff who had been mobilized had paid a housing credit from the date of the payment of the salary from the unit.

Article 12, name, address, statutory representative or head, and change in the name of the employee, identity card, shall be registered with relevant information within 30 days of the change.

Article 13. Units shall terminate their labour relations with workers, and the units shall, within 30 days of the termination of the labour relationship, have relevant information to be transferred or closed.

Article 14.

The unit's contribution to the month of residence of the employee was the average monthly wage of the employee for the previous year and the proportion of the unitary housing.

Article 15. The average monthly salary of the commune, district (zonal, municipal) unit of the worker's housing stock is calculated according to the following provisions:

(i) A staff member who regulates the post-secondary allowance (concluding the public service unit), calculated in accordance with the post-engineered salary, the level of salary and the allowances, subsidies, the year-end one-time award;

(ii) Employ the employee of the performance pay unit, which is calculated in accordance with the salary, salary and performance wage consolidation of the post-workable job;

(iii) Employees who do not have performance wages, calculated in accordance with the salary, salary and subsidies for post-working posts, and the lump-sum award;

(iv) The average monthly salary of the treasurer's housing fund, including basic wages, work-age wages, benefits and subsidies, awards and overtime wages.

Article 16 provides that the CEF shall fix the minimum wage of the worker for the previous year, which is published by the current municipal statistical offices, in accordance with the average monthly salary and the previous year published by the human resources and the social security sector in this city, and determine the current year's treasury pay, the lower criteria and be made available to society.

The field presence in this city may be implemented in accordance with the same criteria for its superior office.

Article 17. The proportion of the housing pool of workers and units shall not be less than 5 per cent of the average monthly wage of the employee, which may be properly increased in accordance with economic development. The proportion of contributions was drawn up by the ICJ, which was reviewed by the Government of the city, followed by the approval of the provincial people's Government and made public.

Article 18

Article 19 Units and workers' contributions to the housing pool and their interest settled under the provisions of the State shall be exempted from the income of the individual.

Article 20

The financial sector, which is reflected in the budget, should be paid in full and in full.

Chapter III

Article 21 Staff members have one of the following cases, which may apply for the withdrawal of the storage balance in their own housing deposit accounts:

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

(ii) Removal of land proceeds from housing or the economic application of housing credits;

(iii) Reimbursement of personal purchase loans;

(iv) Removal, retirement;

(v) Full loss of labour capacity and termination of labour relations with units;

(vi) Residence;

(vii) Dismoval of labour relations with units, with a total of 45 years for women and 50 years for men;

(viii) The removal of labour relations with units for more than one year or more than one year (including one year), without the establishment of new labour relations;

(ix) The naturalization of non-residents and the removal of labour relations with units;

(x) Access to minimum living guarantees for urban residents;

(xi) The rent for rental housing beyond the family salary;

(xii) Individual, spouses or minor children have special illnesses;

(xiii) The particular difficulties in family life caused by major sudden events;

(xiv) Other cases with the consent of the CFARC.

In accordance with subparagraphs (iv) to (ix) of the previous paragraph, the withdrawal of a lump sum for the worker's housing shall be cancelled at the same time.

The Centre should provide information on the access to housing credits for workers with minimum living guarantees, as required by the civil affairs sector.

Article 22 Deaths of employees or declared deaths, whose successors, the survivor, can draw on the storage balances in the pension accounts of the employee's housing fund; the unspeaker has no survivor's grant; and the storage balance in the pension accounts of the employee's housing fund is added to the value added of the housing pool.

Article 23 Employees who have extracted the housing pool shall submit to the Centre for the Recampion of the Removal Application, which is verified by the unit of the city, as well as information relating to the circumstances under article 21, paragraph 1, of this approach, article 22, and evidence from the relevant sectors. The information submitted by the employee should be authentic.

Article 24 shall, within three days of the date of receipt of the request, be subject to the procedure for the extraction; return of relevant information and reasons for non-compliance.

Chapter IV

Article 25 Employees who have paid housing benefits within the city's administration can apply for housing credits.

Article 26 Proportion of the first-time mortgages, the maximum length of the loan, the maximum loan rate is implemented in accordance with the State's provisions and the decisions of the CEFAC.

Article 27 requests for housing credits shall be in accordance with the following conditions:

(i) The duration of the payment of the housing deposit;

(ii) The ability to conduct a civil act;

(iii) The ability to repay loans;

(iv) Good credit records;

(v) The acquisition contract or other approval documents consistent with the law and the security conditions;

(vi) The first payment shall not be lower than the amount due in accordance with the provisions;

(vii) Other conditions established by the ICJ.

Article 28 Employees who apply for housing credits should submit the required information on the loan application form verified by their units and the loan.

The Centre has made a decision to grant loans or not to grant loans within 15 days of the date of receipt of the loan request. The granting of loans is governed by the granting of credit procedures by the licensed bank; the failure to grant the loan shall return the requested information and explain the reasons.

Article 29 should establish a mechanism for the prevention of the risk of sound housing payments, improve the housing credit security, post-primary management systems and effectively prevent the risk of loans.

Article 33 The borrower's advance repayment or one-time advance payment of the full housing treasury loan interest and, in accordance with the borrowing contract, the bank was entrusted with no payment of the borrower's default.

Article 31 of the security institutions that are entrusted to the bank and the communes for the hosting of the housing credit operation (hereinafter referred to as “the security institution”) shall be made available for the receipt, issuance, recovery and late receipt of the housing credit in accordance with the obligations agreed upon by the contract.

Article 32: The CEF, the charging Bank and the guarantor shall facilitate the provision of services to employees who apply for housing credits and shall not prevent or distract from the application of housing credits for housing credits on various grounds.

Article 33, when a real estate development enterprise sells a commodity house, may not prevent the acquisition of a home worker from choosing a housing credit, or increase adverse conditions and impose different sales prices.

Chapter V Oversight management

Article 34 departments such as finance, audit, the People's Bank should carry out oversight inspections in accordance with their respective responsibilities for the management and use of the housing treasury, and the municipal treasury centre and the licensed banks should receive and cooperate with their supervision.

The value-added benefits of the housing pool should be added to the value-added benefits of the housing pool for the establishment of a reserve for the risk of housing credits, the management costs of the city's treasury centre and the construction of additional funds for secure housing.

Article 36 contributory units should be designated as the sole-holder responsible for the management of the housing pool, responsible for the registration of the housing deposit, the establishment of the accounts, the day-to-day payment, changes, accounts, etc., and the establishment of a auxiliary fund.

Article 337 The Centre has the right to check the collection of housing deposits and the establishment of supplementary accounts.

The units should strictly implement the relevant provisions of the housing treasury management and cooperate actively with the inspection of the municipal treasury centre, such as the provision of information on the status and wages, the financial statements, etc. relating to the contributory housing deposit. The Centre should confidential information from the unit.

Article 338 The CEF should conduct a review of the financial operations of the charging banks in accordance with the agreement of the award contract.

The financial operation of the housing pool entrusted to the bank should be subject to the supervision of the municipal treasury centre.

Article 39 should establish a sound internal management system for the management and supervision of the housing pool established by the Ministry of Management.

Article 40 shall be subject to social supervision by making regular publication to the community of the first year of the Housing Quantification Fund and the related financial statements approved by the Committee.

Article 40. Employers, units contested the storage balances in the housing pool account and may apply for review to the ICJ.

Article 42, which violates the provisions of the housing treasury management, provides that the worker has the right to lodge a complaint and report to the Centre. The Centre should conduct prompt investigations and inform the complainant and the reporting person of the results.

In violation of the provisions of the Housing Mortgage Management, the Centre and the employee have the right to lodge complaints and reports to the municipalities, the Finance, Audit, Monitoring, etc., and the relevant sectors should be treated in accordance with the law.

Chapter VI Corporal punishment

In violation of this approach, the unit does not conduct the registration of a treasury or does not establish a formalities for the processing of a treasury account by the commune pay centre; is fined by over 50,000 yen.

Article 44, in violation of this approach, provides that units are overdue or donated to a housing pool and are made up by the CFARC to the deadline for the payment of their contributions; and that the late failure may apply for the enforcement of the People's Court.

Article 42, in violation of this approach, provides for the interception or misappropriation of the housing pool, which is requested by the Centre for the Responsibilities of the Municipalities to recover the credited or diverted housing in accordance with the law and forfeiture of proceeds of conflict in accordance with the provisions of article 41 of the Regulations of the Department of State Housing Administration.

Article 46, in violation of the relevant laws, regulations and this scheme, provides for the removal of housing credits by means of deception or access to housing credits, and the decision of the CEFRC to grant housing credits or loans, the deadline for refunding or credited housing payments made in violation of the law, ceases the eligibility of their application for the use of housing credits within a certain period of time; constitutes a crime and hold criminal responsibility.

Article 47, in violation of this approach, does not comply with the agreed obligations of the entrusted bank, the security agency, etc., in accordance with the contract signed, or in the conduct of the housing treasury operations, with the duty of the municipal treasury centre to change its deadlines; and reject the correctness and defer the suspension of its operations in accordance with the contract's agreement.

Article 48 establishes that a real estate development enterprise, in violation of this scheme, prevents the purchaser from selecting housing credits when selling a commodity house, increasing disadvantages, applying different sales prices, are converted by the CEFRC's time limit; rejects the correctness, and is recorded by the housing and rural-urban construction authorities in poor credit records.

Article 49 ICJ and its staff violate this approach by misuseing their functions,ysing negligence and invoking private fraud in the context of housing treasury management, which is addressed by the relevant authorities in respect of their supervisors and other relevant responsibilities.

Chapter VII

Article 50 provides for the payment, extraction and use of housing benefits from the relevant railway units and workers in the provinces of Honour.

Article 50 is implemented effective 1 December 2011.