(Adopted by the 25th ordinary meeting of the Government of the Northern Province on 29 December 2008 [2008] of the People's Government Order No. 14 of 30 December 2008]

Chapter I General

Article 1 promotes urban housing construction and improves the living standards of urban residents, in line with the provisions of the State Department's Housing Mortgage Management Regulations and other relevant laws, regulations and regulations.

Article 2, this approach applies to the collection, extraction, use, management and supervision of housing payments in the territorial administration.

Article 3

Conditions of town units are employed in urban workers, and the labour units and workers can contribute to the housing stock. Individuals of the town and the free profession may apply for the payment of housing benefits.

Article 4

Employees have the right to require the establishment of a housing treasury account for them and the full payment of housing credits in due course.

Article 5. The housing pool shall be used for the purchase, construction, recreation, renovation and self-settlement of housing by a worker who has paid a housing pool, a commune and a free profession (hereinafter referred to as the collateral).

Article 6

Any unit or individual has the right to denounce, prosecute, prosecute and prosecute the offences committed in the payment, extraction, use, management and supervision of the housing pool.

Chapter II

Article 8. Municipalities in the area should be established in accordance with the relevant provisions of the State, the Housing Quantification Management Committee (hereinafter referred to as the Management Committee) as a decision-making body for the management of the housing pool. The establishment of the Housing Quantification Management Centre (hereinafter referred to as the Management Centre) is responsible for the management and operation of the housing pool in the present administration. Districts (markets, districts) do not establish management centres.

Article 9

(i) Develop and adapt specific management measures and monitor implementation based on relevant laws, regulations and policies;

(ii) Develop a specific proportion of contributions to the housing pool;

(iii) Defining the maximum amount of loans for housing credits;

(iv) Identify commercial banks entrusted with the financial operations of the Housing Quantification Fund (hereinafter referred to as commissioned banks);

(v) Approval of the implementation of the housing pool, the use of plans and plans;

(vi) Consider the allocation of income added to the housing pool;

(vii) Hearing the report of the same financial sector, the China People's Bank branch on the financial supervision of the housing pool, the briefing on the regulation of financial operations, and the management centre on the basis of the audit report, and making the corresponding resolutions or addressing observations;

(viii) Review of the annual bulletin on housing payments made by the Management Centre, applications for write-offs and the proposed publication to the society;

(ix) Other matters requiring decision-making.

Article 10 regulates the constitution or the rules of procedure developed by the Committee, which shall be followed by a request from the Government of the People of the municipality in which the District is established, and through subsequent meetings resolutions shall be submitted to the Government of the city, the Government of the province to build administrative authorities and the financial sector, the Chinese People's Bank provincial institutions.

The Office of the Management Committee established the Office of the People's Government in the establishment area to manage the work of the Commission's meetings, such as the Office of the High Commissioner for Decision-making.

Article 11

(i) Develop and oversee the implementation of a specific management approach to housing payments;

(ii) Preparation, implementation of the pool, use plan for the housing pool and organization of implementation, reporting on the implementation of the plan;

(iii) Approval of the granting of personal housing credits for personal housing payments and the management of the proportion of the State's payments approved by the Committee;

(iv) Documentation of the collection, extraction, use, etc. of the contribution of the FGM;

(v) responsible for the accounting of housing treasury funds, which guide and oversee the internal accounting of branches;

(vi) A programme for the allocation of value-added benefits for housing, which was reviewed by the same level of finance and reported to be implemented after the Committee's consideration;

(vii) Reservations and restitution for housing payments;

(viii) Authorization for the management of the branches and operations of the Internet sites;

(ix) Organization of the Management Centre and its subsidiary bodies for operational management information systems and networking with the senior housing treasury administration;

(x) Other matters arising from the Management Committee.

Article 12 Management centres are the public management function of the communes of the immediate establishment. The Management Centre shall not be subject to any sector or unit, nor shall it be co-located with any sector or unit, or be involved in all types of economic entities.

The staff of the Management Centre shall not serve as other administrative, cause units and economic organizations.

In accordance with operational requirements, the Management Centre may establish branches or operational trajectories in eligible districts (communes) according to the principles of streamlining effectiveness and rational layouts, and in the municipalities where the establishment of a network of operational trajectory points would not be established.

The establishment of branches should be submitted to the Management Committee for approval by the Provincial People's Government following the approval of the Provincial Government's executive authorities. The establishment of an operational trajectory should be presented to the Management Committee for approval.

The branches and operational trajectory sites are not independent legal persons and are not registered separately and perform their duties within the delegated authority of the Management Centre and shall not exceed the authorized scope of operational activities or operate by other agencies.

The establishment, responsibilities and operational scope of the Principal-level Government and the municipal specially independent mined areas, such as oil, coal, and the housing pool of the railway system, are carried out in accordance with the relevant provisions of the State and the Government.

Article 15. The Management Centre should promote e-government, establish a unified e-net operating management system with branches, operational trajectory points, and publish operational procedures and related provisions on the website, to facilitate the establishment, storage, loan and loan of the housing pool accounts.

Article 16 The Management Centre shall enter into a commissioning contract with the authorized banks to clarify the rights, obligations and responsibilities of both parties. The contract should be entrusted with the use of the model text of the contract prepared by the Provincial People's Government to build administrative authorities with the financial sector and the China People's Bank provincial institutions.

Article 17

Chapter III

Article 18 Management centres should have comprehensive and accurate knowledge of the information on the deposit of housing payments by units and their employees, and the relevant administration should be assisted.

Article 19 units should be registered at the Management Centre for the processing of the housing stock and the establishment of the accounts or, after the registration of the Management Centre, the establishment of the bank's accounts.

Individuals of the town and the free profession have contributed to the housing stock, which should be certified by identification documents, residence certificates and legitimate income, and be made available to the local management centre for the processing of registrations, the establishment of accounts.

Article 20 states that, in cases such as merger, separation, withdrawal, insolvency, disbandment or rejuvenation, the unit shall compensate the worker for the unpaid or unpaid housing deposit. The combination, separation and conversion of units are not in a position to supplement the pool of housing payments, and it should be clear that the subject matter of the housing treasury can be dealt with in matters such as consolidation, separation and regeneration. The unit's withdrawal, disbandment or declaration of bankruptcy by law, and its unpaid or arsenal shall be included in the salary paid to the employee and the liquidation shall be included in the first liquidation order of the property.

Article 21

The monthly contribution of the unit to the housing pool for the employee was the average monthly salary of the employee for the previous year and the percentage of the unitary housing.

Article 2

Article 23 Proportion of contributions paid by units and staff housing payments shall not be less than 5 per cent of the average monthly salary for the previous year. Conditions of cities can properly increase the proportion of contributions. The determination and adjustment of the specific proportion of contributions, developed by the Committee on Management, was approved by the Government of the People of the province following the review by the Government.

Article 24 Employees who are in advance of the assignment within the unit shall be paid to the national legal retirement age, and they have been processed, retired and returned.

Employers receive wages according to the local minimum wage standard and the individual may be exempted from the payment of their housing payments, but the employee's unit shall be paid as a percentage of the worker's deposit.

Article 25

Article 26 Management centres should establish a collection of personal housing payments by the collaborators and document the collection, extraction, etc.

Article 27 should be paid in full, at the time specified, to accumulate the housing stock without delay or by a lack of payment, and shall not interrogation of the housing stock of the retained employee.

A two-year loss and an average wage rate for a unit of staff less than 50 per cent of the average monthly salary for local workers could be applied to reduce the proportion of the housing pool. The average salary levels of the unit's employees are less than 30 per cent of the average monthly salary of the local worker, which may apply for the relief of the housing stock and, after the improvement of the unit's economic benefits, should be increased the proportion of the contributions or the payment of the mortgage. The payment of old-age and unemployment insurance payments by law may be accompanied by a request for a reduction in the proportion of the housing treasury and a reduction in the amount of housing.

The unit shall apply for the reduction of the proportion of contributions or for the reduction of the payment of the housing pool, which shall be implemented after the approval of the Committee by the General Assembly of Staff of the Unit or by the Trade Union. The unit reduces the proportion of contributions or reduces the duration of contributions not more than one year, with more than one year, and should reproduce the approval process.

Article 28 Changes in the city of the province shall apply for the processing of the transfer of the housing treasury accounts, and for the work of the city of another province, the relocation of the housing treasury account shall be applied. The relevant management centres should be processed in a timely manner as required.

The collateral management centre should assist in the processing of the relevant transfer procedures.

Chapter IV

Article 29 has one of the following cases in which the holder can draw on the storage balance in its housing deposit accounts:

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

(ii) Removal, retirement and revocation;

(iii) Residence;

(iv) Reimbursement of mortgage loans;

(v) To be included in the minimum range of living guarantees for local urban residents;

(vi) The proportion of rental expenditure on the home is higher than that provided by the Management Committee;

(vii) In the event of a sudden incident, causing serious hardship for family life;

(viii) The management of excess of two years of uncontinuation or non-transfer in centralized accounts;

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

(x) End labour relations by joining forces, attending schools and with units;

(xi) Be sentenced to imprisonment and termination of labour relations with units;

(xii) Other cases permitted under the law.

The author's successor, the survivor's grantee, who has died or been declared dead, may draw the storage balance in the memorial accounts of the depositor. The non-sistance has also no survivor's grant and the storage balance in the FCH accounts is included in the value added of the housing pool.

Article 33 Staff members are eligible for the withdrawal of their balance of storage in the housing pool accounts, and the units of the employee should be verified and extracted. The evidence and information required other than the collection of evidence is provided by the individual of the worker and is responsible for its authenticity. Without the consent of the worker, the unit shall not draw the balance of the deposit accounts of the FGM.

Individuals in the town and free occupational personnel are in compliance with the required circumstances for the withdrawal of their deposit balances in the treasury account and should be given relevant evidence and information.

The Management Centre shall, within three days of the date of receipt of the request for the extraction or non-admissibility of the decision and inform the applicant; grant the withdrawal and process of payment by the licensee.

In the case of purchase, construction, recreation and renovation of homes, the collateral loan can be applied to the Management Centre. The lender shall not apply for the loan once again until the credit is paid.

The Management Centre shall make a decision to grant a loan or not to grant a loan within 15 days of the date of receipt, and inform the applicant; grant a loan, which shall be processed by the licensee.

The risk of housing credits is borne by the Management Centre.

Article 32 contributorys should provide authentic and effective certificates or information and provide security.

The Management Centre shall not designate or adapt to the designation of security units or institutions.

Article XXIII purchases of self-saving homes in municipalities other than the home's housing stock sites, may apply for housing credits to the location management centre for the acquisition of housing credits, and the location management centre should handle housing credits with local distributors. The management centre for the FCS should provide a certificate of contributory housing payments to assist in the investigation of the stocktaking capacity and personal credits.

No unit or individual may obstruct the application of eligible collaterales, the use of housing credits.

Real estate development enterprises develop commodity housing and affordable housing, which should facilitate the use of housing credits by the depositor and not be obstructed or denied.

Article XV shall be used by law. The management centre shall not provide security to any unit or person, nor shall the housing pool be used for activities such as borrowing and real estate investments, operating stocks, future freight transactions.

Article XVI Management Centres, subject to a guarantee of housing payments and loans, may, with the approval of the Management Committee, make housing payments available for the purchase of State debt in proportion to the national and present provinces. The Management Centre can only be able to buy new national debts from the market of interbank bonds or commercial banks to buy the market at the level.

The Management Centre shall not use a housing bond for the purpose of buying or entrusting the property operation, nor shall the purchasing State's debt be used for security, such as quality, mortgage.

The value-added benefits of the housing pool should be added to the value-added benefits established by the Management Centre in the delegated bank for the establishment of a reserve for the risk of housing credits, management centre management costs and additional funds for urban housing.

The specific management use of the loan risk reserve and the replenishment of affordable housing is implemented in accordance with the relevant provisions of the State and the province.

The management costs of the Centre are governed by two line lines of income and expenditure, which are budgeted by the Management Centre in accordance with the prescribed criteria and are reported to be transferred from the value-added income of the Housing Saving Fund to the current level of finance by the capital.

The management cost standards of the Centre are developed by the Provincial People's Government to establish administrative authorities with the financial sector in accordance with the standard of cost of the units that are slightly higher than those provided by the State, and to properly increase funding for the development of the Centre's cause.

Chapter V Oversight management

Article 39 should establish a management information system for the management of housing pools, conduct real-time monitoring of the operation of the management centre and conduct oversight inspections with the Ministry of Finance and the China People's Bank provincial institutions on the implementation of the housing credit management laws, regulations and policies in the municipalities in the establishment area and provide policy measures for the improvement of the housing pool management system in due course. The evidence of a violation should be treated by law.

The provincial Housing Accumbency Monitoring Authority is specifically responsible for the day-to-day management of the housing treasury.

Article 40

The management centre should seek the advice of the financial sector in the preparation of a housing pool and the use of plans.

In approving the report on the implementation of the housing pool, the use of plans and plans, the Management Committee must have the financial sector of the city's government in place.

Article 40 of the China People's Bank's provincial institutions should strengthen the supervision of the financial operations of the charging banks to perform the related financial laws, policies and enforcement agreements with the Management Centre.

Article 42 should conduct 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 heads of the Management Centre.

Article 43 thirteenth management centres should regularly report financial reports to the Management Committee and to the current level of financial services and receive social oversight if they are published in the society within two months of the end of the year.

The Management Centre should provide operational data, as required, for the construction of administrative authorities, the financial sector to send home-based statistics and accounting statements.

Article 44 Management centres and employees are entitled to perform the following obligations on time:

(i) Registration or modification, write-off registration of FCs;

(ii) The establishment of a housing pool account, which is transferred or closed;

(iii) Adjustments to the monthly salary and the proportion of contributions paid in respect of the housing treasury;

(iv) Accumulate housing in full.

Article 42 Management centres may conduct oversight inspections of units that do not make payments.

The units should provide information on the status of the user and the payment of the housing deposit, such as the wages, the financial statements. The Management Centre shall be confidential to the information provided by the unit.

Article 46 Management centres should urge the authorized banks to carry out the operations entrusted with contracts in a timely manner. Banks entrusted should assist the Management Centre in catalysing the housing pool, catalyse the late housing credit and provide relevant operational information to the Management Centre on a regular basis, in accordance with the agreement of the commissioning contract.

The Bank is entrusted with the right not to proceed with the use of policy provisions and to report to the Municipal Management Committee, the Provincial Government's executive authorities and provincial institutions of the People's Bank of China on a timely basis.

Article 47 Management centres should issue effective vouchers for depository housing payments to units and depositors.

The Management Centre shall make annual accounts with the depository units and the distributor to the society for the publication of the Housing Accumulation Bulletin and the issuance of the housing certificate to the contributory units and the distributor.

The contributory units and the distributors are entitled to access the unit, their own housing stock collections and extracts, and the management centre, the licensee's bank shall not reject the charges. The depository units and the distributors have contested the storage balances in the housing pool account and may apply for review by the management centre or the licensee. The Management Centre and the entrusted banks shall submit written replies within five days of the date of receipt of the request.

Chapter VI Legal responsibility

Article 48 governs the decision-making of the Commission in violation of the relevant legal, legislative and policy provisions, and the construction of administrative authorities by the Provincial Government will change the deadline for the management of authority with the financial sector.

Article 49 Management centres and their staff violate the provisions of this approach, with the establishment of administrative authorities by the Provincial People's Government on the basis of the management mandate; the administrative disposition of the responsible supervisors and other direct responsibilities by law, the removal of administrative law enforcement qualifications; and the criminal accountability of the law:

(i) In the case of self-decision-making on matters that should be decided by the Management Committee or that it is more serious to implement the decisions taken by the Management Committee in accordance with the law;

(ii) In violation of the provision for the removal of housing pools or the non-recognition of the approval of the expropriation of housing payments or the timely report of the oversight department;

(iii) Publication of false financial reports to society;

(iv) Provision of security to others;

(v) To deny or block the supervision of the oversight department by law;

(vi) No business management evaluation for three consecutive years;

(vii) The functions of other executive, cause units and economic organizations;

(viii) Other abuses, omissions, provocative fraud.

Article 50, in violation of article 27 of this approach, article 33, provides that a unit is one of the following cases, which is being converted by a management centre to a fine of up to one thousand yen; for the operation to have the proceeds of an offence, shall be liable to a fine of up to three thousand dollars, without the proceeds of an offence, and a fine of up to one million dollars:

(i) Excluding the unpaid deposit of the house of the employee;

(ii) The balance of storage in the FCFA accounts without the consent of the worker;

(iii) Disadvantages for the application of a housing pool for workers.

Article 50, in violation of article 33 of this approach, provides a false testimony or information on the deposit balances of the treasury accounts, which are converted by the management centre's time limit; and a fine of up to a thousand dollars.

Article 52, in violation of article 33, provides that the contributory person provides false evidence or information for the purchase of a treasury loan, is converted by the management centre's time limit, with a fine of up to one thousand dollars; for the operation to which the proceeds of the offence are violated, shall be liable to a fine not exceeding three thousand dollars of the proceeds of the offence, but not more than one million dollars of the proceeds of the offence, and a fine of up to one million dollars for the offence, and a criminal liability.

Article 53, paragraph 2, of the scheme stipulates that businesses in the development of property are obstructed, denied the use of housing credits by the distributor and that the period of time has been changed by the authorities for the development of property at the district level; that they are not later recommitated, that they are kept informed and that they are not documented.

Chapter VII

Article 54