Kunming City Housing Accumulation Fund Management Regulations

Original Language Title: 昆明市住房公积金管理规定

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(On July 24, 2007 Kunming Government 53rd times Executive Conference considered through on July 31, 2007 Kunming Government makes 75th, announced since on September 1, 2007 up purposes) first article for strengthening this city housing Provident Fund of management, maintenance housing Provident Fund owner of lawful rights and interests of, promote town housing construction, improved town residents of live environment, according to State housing Provident Fund Management Ordinance (following referred to Ordinance), combined this city reality, developed this provides.
    Second Kunming housing Provident Fund Management Committee (hereinafter referred to as MC) is the decision-making body of the city's housing accumulation fund management.
    Housing Fund Management Center, Kunming (hereinafter Management Center) is directly under the Municipal Government not-for-profit institution.
    Central Administration in accordance with the principle of territorial management, is responsible for the unified management of the housing accumulation Fund and within the administrative area of the city operate, supervise employees in this unit in the urban area and the deposit, withdrawal and use of housing accumulation Fund, regulate the collection and use to ensure safe operation of the Housing Fund, and perform other administrative duties as conferred by the Ordinance.
    City administrative center and its branches (branch, the Department of management) unified rules for unified accounts.
    Housing accumulation fund management and use shall be subject to the provincial Department of construction, Ministry of finance, people's Bank of China Kunming branch, China Banking Regulatory Commission authority watchdog supervision management; shall be subject to the Municipal Finance Bureau of financial supervision and auditing supervision of the municipal auditing Bureau.
    Labor and social security, civil affairs, human resources, business administration, taxation, statistics, in accordance with their respective responsibilities, to coordinate the implementation of these provisions.
    Article at all levels within the administrative area of the City State organs, institutions, social organizations, enterprises of all types registered according to law (company), a privately-run non-enterprise units, the Central and provincial (City) and its field mission in Queensland (hereinafter referred to as units) and the unit on-the-job workers, are paid in accordance with the Housing Fund.
    Foreign and Hong Kong, Macao and Taiwan, as well as retirees are not paid into the Housing Fund.
    Fourth housing Provident Fund deposit ratio, drawn up by the Management Committee, considered and passed by the municipal people's Government, submitted to the provincial people's Government approval before implementation, and to the public.
    Management Committee in the formulation of housing Provident Fund deposit ratio, determine the maximum loan amount of the housing accumulation Fund before such major issues, seminars, public hearings and so on can be taken or the unit would be widely consulted and their views through the media. Article fifth housing Provident Fund deposit ratio of non-financial conditions improve supply unit, can apply, management approval, authorized by MC or MC, implementation of approved housing Provident Fund deposit ratio.
    Raise the housing Provident Fund deposit ratio not higher than 12% in principle, shall not be higher than 15%, 12% part of the higher, in accordance with national tax laws and policy of levying taxes.
    Sixth employee paid monthly wage base housing Provident Fund (deposit base) may not, statistics reported last year, more than three times times the monthly salary of employees, shall not be less than the minimum wage. Deposit base, the municipal administrative center audit adjustment once a year.
    Applications for the adjustment of housing Provident Fund deposit ratio or for application for holdover of the Housing Fund, City Center receive once a year.
    Seventh stop, running at half capacity, continuous losses over three years employees ' salaries or not functioning properly, you can apply, managed by the city center, the CMC approved, limited or lower the proportion of housing accumulation Fund paid tax period, apply for housing Provident Fund deposit ratio shall not be less than 5%. After economic improvement and regular payment of wages, shall promptly pay Housing Fund for employees.
    Deposit ratio, according to the proportion of unpaid time approved by the provincial people's Government to pay.
    Article eighth units dissolved, disbanded or declared bankrupt according to law, and its outstanding housing Provident Fund shall be repaid in accordance with law.
    When the unit is divided or merged, cancellation or restructuring should make clear its arrears after the Housing Fund to pay liability, before they can go through the relevant formalities. Calculate the amount of arrears of housing accumulation Fund, deposit base by units or employees provide documentation related to determine unit base wages and workers are unable to provide proof, according to the municipal Statistics Bureau announced last year workers ' monthly salary calculations.
    Deposit ratio, calculated according to the proportion of unpaid time approved by the provincial people's Government.
    Nineth employee and former employer terminates the labor relationship after was hired by new units, the original unit shall, from the date of termination of the employment relationship in the 30th, workers housing fund account balances transferred to the new unit. Worker and former employer after termination of the labour relationship has not been hired by new units, the original unit shall, from the date of termination of the employment relationship in the 30th, workers housing fund account balance to the municipal administrative center storage management.
    Workers hired by new units and new units shall, from the date of hire in the 30th, for employee housing Provident Fund accounts unsealing and transfer procedures.
    Tenth of municipal management centre should supervise units housing Provident Fund deposit in time according to law registration and housing Provident Fund accounts, transfers, cancellations and other relevant procedures.
    Business, labor and social security and statistics and other relevant administrative departments should be provided to the municipal administrative center unit or employee information. 11th article of unit deposited shall inform the staff establishment, the housing accumulation Fund.
    City Center and specified by the Management Committee was entrusted to handle the housing accumulation Fund financial business of commercial banks (hereinafter referred to as the Commission), housing units and employees Provident Fund should be paid in vouchers.
    Municipal Management Center and the entrusted Bank housing Provident Fund management information system should be established, queries for units and employees of the Unit provide services and housing Provident Fund account the message.
    City Management Centre, entrusted with the Bank, and relevant staff on the workers ' Housing Fund account information confidential.
    12th article workers has following case one of of, can to City Management Center application extraction I of housing Provident Fund: (a) purchase, and built, and rebuilt, and overhaul since live housing of; (ii) retired, and retired of; (three) most or completely lost labor capacity, and and units terminated labor relationship of; (four) exit settled of; (five) reimbursement purchase loan principal and interest of; (six) rent beyond family wage income of provides proportion of; (seven) and units terminated labor relationship, and account moved out this city or account is not this city of.
    In accordance with (b), (c), (d), (g) storage within the provisions of the housing accumulation Fund account balance, you should log off while workers housing fund account.
    Worker dies or is declared dead, the heir, legatee can extract the stored balance in staff housing Provident Fund accounts.
    13th article workers has following case one of of, can application extraction I of housing Provident Fund, for paid since live housing of rent, and residential special maintenance funds, and property management service fee, costs: (a) enjoy city residents minimum life guarantees of; (ii) I, and spouse and immediate family for seriously ill, and big disease caused family life serious difficult of; (three) continuous unemployment two years above and family life special difficult of; (four) encountered other burst event, caused family serious difficult of.
    Section 14th for extraction of workers housing fund, shall be submitted to the municipal administrative center extraction unit verification certificate issued by the certificate and meet the requirements of the 12th, 13th, extract relevant supporting documents. Extraction housing fund management centre shall receive, within three working days from the date of the application, to approve the decision to extract or to extract, and notify the applicant in writing.
    Extraction of grant, approval documents of the municipal management centre, entrusted with the Bank for payment. 15th workers who have paid into the Housing Fund to buy, build, renovate owner-occupied housing, may apply to the municipal administrative center for housing accumulation Fund loan.
    Application housing Provident Fund loan of workers, should while meet following conditions: (a) application loan Qian normal, and full, and on time deposit housing Provident Fund and reached provides term; (ii) owned funds paid of room amount not below provides proportion; (three) has stable of economic income and loan reimbursement capacity; (four) no financial credit, bad credit behavior and other may effect loan reimbursement capacity of debt; (five) national and the this province about sector of housing Provident Fund personal loan provides in the clear of other conditions.
    Preceding paragraph (a) the provision in the terms and (b) the provisions in, drawn up by the municipal administrative center, executed after the approval of the Management Committee, and to the public.
    16th section of housing accumulation Fund loan workers, should be submitted to the municipal administrative center loan application and apply for a loan related proof materials. City Management Center should be accepting housing Provident Fund loan applications made within 15 working days from the date of granting loans or no loan decision and notify the applicant in writing.
    Granting loans, approval documents of the Central Administration, entrusts the Bank to process a loan.
    17th, value-added benefits of the Housing Fund Management Center, made pursuant to the provisions of housing accumulation Fund loan risk reserve the balance of government non-tax revenue, full payment of entry-level Treasury, into the financial budget management of the Fund.
    18th City Management Center housing accumulation Fund financial report of the previous year should be, after review, Audit Office or the Municipal Finance Bureau, submitted and considered by the Administrative Committee, announced to the public on a regular basis.
    19th City Center and entrusted with the Bank shall sign the housing accumulation Fund financial services Commission contracts and strict compliance, and, in accordance with the relevant provisions to facilitate housing units and employees Provident Fund business services. 20th for acts that violate the provisions of the housing Provident Fund management, no unit or individual can complain to the city center, to report.
    Municipal management centre shall on receipt of complaints, reported in the 30th after dealing with comments, and inform the complaints, whistleblower.
    Units not registered according to article 21st housing Provident Fund deposit registration, not for the workers housing fund account, established procedures, failing to pay overdue or underpaid housing accumulation Fund of housing accumulation Fund, managed by the city centre, in accordance with the provisions of the Ordinance shall receive administrative punishments.
    22nd article to provides false proved material, cheat means extraction I housing Provident Fund of, by City Management Center returned its units verified, is units responsibility of, held units of verified responsibility; has handle extraction of, by City Management Center ordered its deadline returned violations by mention amount, deadline within not returned violations by mention amount of, City Management Center can stop its application using housing Provident Fund of qualification, until returned violations by mention amount check.
    Illegal extraction of other housing by deception, by the municipal administrative center ordered to return illegal amounts constitute a crime, criminal responsibility shall be investigated according to law.
    23rd by deceit or other improper means, illegal access of housing accumulation Fund loan, City Center ordered lenders to loan amount by the deadline to return illegal constitutes a crime, criminal responsibility shall be investigated according to law.
    24th administrative organs and dereliction of duty, abuse of power, favoritism by management, shall be given administrative sanctions constitutes a crime, criminal responsibility shall be investigated according to law. 25th article of the regulations come into force on September 1, 2007.
                                                                                                                On July 1, 1995, the Kunming municipal people's Government instituted by deepening the reform of the urban housing system in the implementation of the programme approved the implementation of the provisional regulations on the establishment of housing accumulation fund system in Kunming (Queensland Government issued [, 1995]64) and stops execution.