(Adopted at the 77th ordinary meeting of the Government of the Overseas Territories, held on 16 May 2011, by Decree No. 244 of 24 May 2011.

Chapter I General

Article I, in order to strengthen the management of the housing pool, preserve the legitimate rights and interests of the owners of the housing pool and develop this approach in line with the provisions of the State Department's Housing Entrepreneurship Regulation (hereinafter referred to as the Regulations) and related laws, regulations.

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

Article 3 states, provincial ceans and municipalities, districts (communes), State bodies at all levels of the area, business units, various types of enterprises, non-commercial units, social groups (hereinafter referred to as unit) and their in-service workers shall be donated by law.

Article IV FIMS (hereinafter referred to as the CPF) is the decision-making body for the management of the MSF.

The FIMS is specifically responsible for the management and operation of the housing pool within the city's administration. The HFC may establish branches in accordance with the principles of efficiency, in accordance with the requirements of work.

Rural and urban construction, civil affairs, finance, human resources security, audit, statistics, housing security management, business, quality, tax, people's banks, in line with their respective responsibilities.

Article 5. The management of the housing pool is governed by the principles of the Board's decision-making, operation of the Centre, bank-owned storage and financial supervision.

Article 6

Housing payments are used to purchase, construct, recreate and renovate homes for workers, and no units and individuals may be diverted.

Article 7. The Centre should establish a modern information management system, establish a system of sound internal control and management systems, control the risks of funds, guarantee value added and provide efficient and accessible services to housing deposit units and individuals.

Chapter II

The new units established in Article 8 shall be registered by the CPF within 30 days of the date of its establishment and the public deposit centre for the period from 20 days from the date of registration, and subject to the procedures established by the charging bank for the processing of the housing pool accounts by the employee.

The scheme shall be subject to registration by a non-registration unit prior to its implementation.

Each employee can only have a housing credit account.

Article IX Changes in information such as name, address, legal representative or employee name, identification number shall be registered by a unit or employee from 30 days of change.

Article 10 units should establish a housing credit account for new workers in a timely manner. The new workers who participated in the work started to pay the housing stock in the second month of their participation. Newly reunited workers have paid their housing credits from the date of the payment of their salary from the re-entry unit, which should incorporate the personal accounts of the employee's housing pool into the newly established accounts.

The former work unit is not required to process the relocation of the housing credit account for the worker, and the worker may report to the FARC. The CPF may transfer the accounts directly on the basis of an effective certificate submitted by the employee.

Article 11. The proportion of contributions to the housing treasury shall be chosen by the unit on the basis of the actual situation, but shall not be less than 5 per cent of the average monthly wage and shall not exceed 12 per cent. Each year's unit could only create a proportion of contributions and could gradually increase. The proportion of individual contributions should be the same as the percentage of the unit's contributions.

Article 12

The average monthly wage of the employee should be calculated in accordance with the National Statistics Office project (i.e., the central and provincial, municipal provisions, which are in monetary form the payment of all salary, allowances, subsidies, awards and awards to the individual of the worker).

Article 13 Quantum centres should be developed annually, in accordance with the standards established by the State and the provincial people's governments, on the basis of the monthly amount of the housing treasury, to be made available to the society after the approval of the CPF.

Article 14. The unit shall pay in full, on time, a lump sum for the worker and shall not be surrendered or paid, and shall be paid in accordance with the provisions. The amount of contributions was calculated in accordance with the monthly collection base and proportion of contributions.

The unit does not provide the employee's salary or the employee's objection to the payment of the wages, which is verified by the CPF; it is still not possible to confirm that the average monthly salary of the previous employee, which is published by the MER.

Article 15 entered into a labour contract with the employee, which may include provisions reflecting the deposit of a housing deposit.

Article 16 Payments of base amounts equal to or below the annual minimum wage standards in the current city may be made by the worker for non-contributory claims, which are reviewed by the HFC after verification by the unit. The HFC shall make a decision to grant non-payment or not to be paid within 30 days.

Article 17 terminates the labour relations between the worker and the unit and does not achieve re-employment, and the unit shall, within 30 days of the termination of the labour relationship, be granted to the authorized bank for the processing of the treasury accounts; and after the re-employment of the employee, the transfer of the transfer process shall be handled by the original unit.

Article 18 consists of one of the following cases, which may apply for a reduction in the proportion of the total amount of contributions to the housing stock, as discussed by the General Assembly of Staff of the Unit or the Trade Union Commission:

(i) Liabilities to pay their housing credits in full accordance with the current rate of implementation or to pay the housing pool in excess of three times the annual contributions;

(ii) The average monthly wage of the employee is less than 50 per cent of the average monthly salary of the previous year's employee.

Article 19

(i) A written application to reduce the proportion of contributions;

(ii) Employer representatives' General Assembly or Trade Union Commission resolutions;

(iii) Financial statements of units or audit reports;

(iv) Accumulates for housing units;

(v) Employer salary scales for the previous year.

The HFC shall be subject to review and approval by the HFC within 30 days of receipt of the request.

Article 20 consists of one of the following cases, which may apply for a reduction in the pool of housing, either through the discussions of the General Assembly of Staff of the Unit or the Trade Union Commission:

(i) In the event of a suspension of production and a standstill;

(ii) The death rate of more than six months;

(iii) Serious losses;

(iv) Accrue the payment of old-age premiums and unemployment insurance.

Article 21 units that apply for mitigation shall submit the following materials to the Centre:

(i) Removal of written requests;

(ii) Employer representatives' General Assembly or Trade Union Commission resolutions;

(iii) Financial statements of units;

(iv) The salary scales for the previous year or the proof materials for the human resources social security sector.

The HFC shall be subject to review and approval by the HFC within 30 days of receipt of the request.

The duration of the unit shall not exceed one year. Delays remain unqualified and shall apply for the processing of the payment process within 30 days of expiration.

Article 22 requires that the deduction of the proportion of contributions or the subpayments be restored to normal operations and that the economic benefits are improved, and that the proportion of the unpaid contributions or the housing payments owed during the payment period should be restored.

Article 23 combines, dividends, withdraws, disbands, bankruptcys or restructures, and shall supplement the contributions paid to the worker (including unpaid and unpaid contributions).

The combination of units, separation, disbandment, conversion and inability to supplement the pool of housing payments should be made by the authorized authorities to clarify the subject of the responsibilities for the payment of public housing payments, and by the posting of the CPF, to deal with matters such as mergers, separation, withdrawal, dissolution and conversion.

The insolvency unit shall verify the amount of the outstanding housing deposit within 30 days of the date on which the insolvency proceeding is granted. Insolvency enterprises should be addressed by businesses in the context of insolvency liquidation funds.

Article 24 sends reminders to units that do not pay the housing pool on time. The contributory unit should pay a lump sum within 30 days of the date of receipt of the notification. The amount owed was higher and no one-time payment should be made, and the unit should submit a repayment plan, which would be completed by the HFC.

Chapter III Use of management

In one of the following cases, the employee may apply for the withdrawal of the balance in the housing pool accounts:

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

(ii) Reimbursement of home loans;

(iii) Formal retirement;

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

(v) Residence;

(vi) The proportion of rents that go beyond the payment of wages for family members living jointly;

(vii) Individual accounts for the relocation of the city and the establishment of a housing pool for new jobs;

(viii) The minimum living guarantees for urban residents and the payment of rents or royalties;

(ix) Unemployment or dismissal of labour relations with the unit for more than two years, with male reaching 50 years of age and 45 years of age for women;

(x) The non-resident city's family is employed in the city and the labour relations are removed from the unit and left the city;

(xi) Death or declaration of death;

(xii) Other cases identified by the Committee.

Removal of the amount of the housing credit in the context of the preceding paragraphs (i), (ii), (vi), (vi) and (vi) shall not exceed the actual occurrence of the period.

Article 26

(i) The unit verify the receipt and voucher certificates;

(ii) Individual identity cards;

(iii) Related material. Others should also submit a letter of commission and an ID.

Article 27 shall be subject to prompt approval by the CPF in accordance with the conditions of withdrawal; the need to investigate the verification shall, within three days of the date of receipt of the application, make a decision to grant the extraction or non-removal, and inform the applicant in writing.

Article 28 is also in line with the following conditions, and the worker may apply for a housing credit:

(i) buying, constructing, renovating or repairing general self-saving homes;

(ii) The time limit for the payment of a housing deposit at the time of the application for a loan;

(iii) There is a stable economic income and credit repayment capacity and a good personal credit position;

(iv) Excluded or fully credited housing credits;

(v) Other conditions under the law, regulations.

Article 29 of the maximum housing credit, the maximum length of the year and the proportion of the first payment of the house was made by the Centre for Adjustments in accordance with national policies and the prevailing circumstances in the city, which were made available to the society after the approval of the Committee.

Article 33, the Centre entrusted the bank with the first instance of the housing credit.

The Centre and the licensee should perform its duties in accordance with the agreement of the commissioning contract by establishing a risk-prevention mechanism to guarantee financial security.

Article 31 Staff members shall apply for housing credits and shall submit the following materials to the authorized bank:

(i) Individual loan application forms, personal and co-payments (the guarantor) identity cards, household books and co-payments pledges (guarantees);

(ii) The marital status certificate;

(iii) Individual trusts provided by themselves and the co-sponsors (the guarantor);

(iv) Effective security certificates;

(v) Other material requested by the Centre.

Article 32 is entrusted to the bank to conduct its first instance within five working days from the date of receipt of the application and to the eligible posting centre for approval.

The HFC shall make a decision to grant loans or not to loans within five working days from receipt of the information sent by the bank.

Granting loans shall be granted to the applicant within five working days.

Article 33 provides that a worker pays a portion of a housing credit interest or a one-time advance payment of all loans, and the bank is not charged with default payments.

Article 34 quarant banks should provide accounts to units within 30 days of the liquidation of the Housing Quantification Fund, which shall be communicated in writing to the employee in a timely manner.

Employers have the right to search for the collection, extraction and balance of their own housing payments, and to apply for re-entry at the CFARC. Bank-mandated banks, FCs should submit written replies within 5 days of receipt of the request.

Article XV should be entrusted to the bank to work such as the issuance, accounting, recovery and receipt of late loans, in accordance with the agreement of the commissioning contract.

Article 36 Development of enterprises and sales companies should facilitate workers applying for housing credits.

Article 37 provides for 50 per cent of the domestic housing balance to be allocated to the provision of secure housing construction loans, subject to priority guarantees for the payment of home loans and retention reserves. Specific scope and project loan management are implemented in accordance with the relevant provisions.

Under article 338, the Public Credit Centre, subject to a guarantee of the regular withdrawal and loans of the housing treasury, has been authorized by the Finance Department, the Public Credit Board, which can make housing payments for the purchase of the State's debt, but may not be in the country's borrowing or commissioning of the financial operation, with strict limits on the use of the purchasing State's debt for security operations such as detention.

The value-added benefits of the housing pool should be deposited with the Eccumbent of the CPF in the Housing Entrepreneury, which is managed in both income and expenditure lines and in accordance with national provisions.

Chapter IV Oversight management

Article 40 departments such as finance, audit and etc. should strengthen the supervision of the management and use of housing credits in accordance with their respective responsibilities.

Article 40 provides for the prompt and full payment of housing payments under the law.

The inspectorate shall not refuse to provide the relevant information as such. The Centre could record and replicate relevant information, but should assume confidentiality obligations.

Article 42 states that the CPF should establish a sound internal audit nuclear regime to manage and monitor the housing stock operation.

Article 43 13 shall establish a housing pool by law, establish a treasury of the worker's housing stock and issue an effective certificate of the employee's contribution to the housing stock.

Article 44

(i) Authorize institutions other than the Designated Bank of the Commission to conduct financial operations for housing deposit funds;

(ii) Removal of housing payments in violation of the law, review of the proportion of payments made for changes in the housing pool or reduce the payment of housing credits;

(iii) The granting of loans in violation;

(iv) Inviolate the purchase of State debt or corporate bonds, provide security to others or commission money.

Article 42 is entitled to release, voucher, surrender and misappropriation of housing payments. The HFC should provide comments within 30 days of the receipt of the complaint, the report and provide written replies.

Chapter V Legal responsibility

Article 46, in violation of the provisions of this approach, does not conduct the registration of a treasury of a housing deposit or establish procedures for the processing of a treasury account by the employee of the unit, which is due to the CPF's duty period; and the fine of up to 50,000 dollars over the period of time.

Article 47, in violation of the provisions of this approach, is the result of the delay in the payment or reduction of the amount of the treasury, which has been made by the CPF for the period of time; the failure to do so may apply for the enforcement of the People's Court.

Article 48 establishes businesses for real estate development, the sale of businesses to prevent or distract from housing credits, and the establishment of administrative authorities in rural and urban areas should be responsible for the change of the deadline; the refusal to reproduce them in corporate credit files.

Article 49 deceiving the storage balance in the treasury accounts of his home by deceasing means of deceasing, the CFA shall be responsible for the return of the amount specified in the law to the amount of the offence and may be fined up to 1000.

The storage balance in the memorial accounts of other persons by deceasing means is punishable by law by public security authorities; it constitutes a crime and is criminalized by law.

Article 50 provides for the acquisition of housing credits by deceasing means of deceasing, and the Public Credit Centre shall be responsible for the return of borrowers to the amount of their loans in violation of the law, to be recorded in the personal credit records, which may be fined by 1000 dollars, which constitutes an offence and shall be criminally liable by law.

In violation of article 43 of this approach, article 44, article 44, article 44, the municipal inspectorate has criticized the responsible supervisors and other direct responsibilities; in serious circumstances, administrative disposition; and criminal accountability by law.

Annex VI

Article 52 refers to in-service workers as described in this approach to work in units and paid by units of all categories of personnel (non-external and port, aucasus, tyres), including those who have entered into labour contracts with units or who are in line with the actual labour relationship determined by the human rights security sector, and those who have not worked for reasons such as learning, sick maternity leave (6 months).

Article 53 of this approach refers to the approval of self-employment in the sectors such as land resources, planning, rural and urban construction.

The doubling is the approval of all demolitions, other designs and re-engineering of homes by sectors such as land resources, planning, rural and urban construction.

The main components of the housing component need to be dismantled without all demolitions and a new construction price of more than 25 per cent for the same structure of the building is required by the local housing identification sector. General family renovations, dressings, renovation and minor repairs are not significant.

Article 54 The Mouvement for Housing in the South City, issued by the Government of the Overseas city on 21 March 1993, was also repealed.