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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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(Summit No. 53 of 24 July 2007 of the Government of the Knowledg City considered the adoption of the Decree No. 75 of 31 July 2007 No. 75 of the Order No. 75 of the Government of the Queenmin City, which came into force on 1 September 2007)

Article 1 promotes urban housing construction and improves the residential environment for urban residents, in line with the State Department's Housing Entrepreneurship Regulation (hereinafter referred to as the Regulations), which incorporates the realities of the city.
Article 2
The Quick City Housing Streams Management Centre (hereinafter referred to as the Urban Management Centre) is an active unit of the immediate city's people's government for no profit.
In accordance with the principle of territorialization, the Urban Management Centre is responsible for the uniform management and operation of the Housing Quantification Fund within the city's administration, the inspection of the collection, extraction and use of housing memorials by units and workers in the city, the regulation of classification and use of behaviours, ensuring the safe operation of the housing pool and the fulfilment of other administrative responsibilities under the Regulations.
The Urban Management Centre and its branches (centralized, management) have harmonized regulations and harmonized accounting.
The management and use of the housing pool is governed by the law by the provincial construction office, the Ministry of Finance, the China People's Bank Know Centre, the China Bank Superintendent Management Board of Yumnan, which is subject to the financial supervision of the Municipal Finance Agency and the audit supervision of the Municipal Audit Office.
The executive branch, such as labour guarantees, civil affairs, personnel, business, tax and statistics, is in line with their respective responsibilities.
Article 3 states, utilities, social groups, all types of enterprises registered under the law (corporate), non-commercial units, central and provincial (markets) and their field presence units (hereinafter referred to as units) and in-service workers in the above-mentioned units are donated in accordance with this provision.
Foreign and port, aucasca, and retired persons do not receive a housing deposit.
Article IV Proportion of contributions to the housing pool, developed by the Committee, was adopted by the Government of the city, followed by the approval of the Government of the Provincial People and made public.
The Board may take the form of colloquiums, hearings, etc. or widely hear the views of units and employees through the media prior to the preparation of major matters such as the proportion of contributions to the housing pool, the determination of the maximum credits.
Article 5 provides for a non-financial supply unit for the increase in the proportion of housing payments, which may apply for approval by the Committee or by the Committee for approval by the Urban Management Centre and for the implementation of the approved housing pool. The increase in the number of public housing payments, in principle not higher than 12 per cent, may not be higher than 15 per cent, or 12 per cent, for tax purposes in accordance with national tax laws and policies.
Article 6. The monthly salary base of the employee's contribution to the housing stock (contribution base) shall not exceed three times the average monthly salary of the previous year's employee, which is published by the Municipal Statistics Office, and shall not be less than the minimum wage standards in this city.
The collection base was adjusted annually by the Urban Management Centre. The Urban Management Centre receives one year each for the purpose of applying for the adjustment of the proportion of the housing treasury or for the payment of the treasury.
Article 7. units that are discontinued, half-time, lost for more than three years or are not normally paid for the worker's wages may apply, subject to a review by the Urban Management Centre, the Board approves the implementation of a limited period of payment or lower the amount of the housing treasury, and the proportion of the contributory payments that apply for a decrease of 5 per cent.
When the unit's economy is better and normally paid the employee's salary, it should be paid to the worker in a timely manner. The proportion of contributions was paid in accordance with the proportion approved by the Government of the province at the time of the surrender.
Article 8 shall be liquidated by law when the unit withdraws, dissolves or declares its bankruptcy.
In the event of separation, consolidation, write-off or rejuvenation, the relevant procedures should be taken after the identification of the subject matter of the contributory responsibility for the payment of housing payments.
At the time of the calculation of the amount owed by the unit to the housing pool, the number of depositories was determined in accordance with the relevant proof material provided by the unit or the employee; the unit and the employee were unable to provide the employee's salary base proof material and were calculated on average monthly salary for the previous year, as published by the Municipal Statistics Office. The proportion of contributions was calculated according to the proportion of the approved by the Government.
Article 9. After the termination of the labour relationship between the employee and the former unit, the new unit shall be added to the new unit within thirty days of the termination of the labour relations.
After the termination of the labour relationship between the employee and the original unit, the former unit should be transferred from within thirty days of the termination of the labour relationship to the residence management centre. After the new unit was recorded, the new unit should, within thirty days of the date of publication, in order to inspire and transfer procedures for the staff member's housing credit accounts.
Article 10 The Urban Management Centre shall oversee the establishment, transfer, write-off, etc. of the housing deposit and housing deposit accounts in a timely manner by law.
Relevant administrations such as business, labour security and statistics should provide information on units or employees to the Urban Management Centre.
Article 11. Units should be informed about the establishment of the worker and the payment of the housing pool. Business banks designated by the Urban Management Centre and the Committee are entrusted with the financial operations of the Housing Quantification Fund (hereinafter referred to as commissioned banks) and shall issue certificates of credit to units and employees.
The Urban Management Centre and the delegated banks should establish a housing information management system that will provide services to units and workers to access information on their own housing pool accounts.
The Urban Management Centre, the delegated banks, units and relevant staff have a confidential responsibility for the information on the housing deposit account of the employee.
Article 12 Employees have one of the following cases, which may apply to the Urban Management Centre for the extraction of their own housing pools:
(i) buying, constructing, renovating and renovating homes;
(ii) Removal, retirement;
(iii) Most or entirely lost labour capacity and terminated labour relations with units;
(iv) Residence;
(v) Reimbursement of mortgage loans;
(vi) The proportion of rents exceeding the household wage income;
(vii) The termination of the labour relationship with the unit and the relocation of the household to the city or to the family.
In accordance with subparagraphs (ii), (iii), (iv) and VII), the withdrawal of the storage balance in the housing pool accounts should be accompanied by the write-off of the FCFA accounts.
The worker has died or has been declared dead, the successor, the survivor's granter may draw the balance of storage in the FGM accounts.
Article 13. Employees may apply for the extraction of their own housing pools to cover expenses such as rental housing, special maintenance funds for residential housing, and royalties for property management services:
(i) The minimum living security of the urban population;
(ii) Individuals, spouses and their immediate family members suffer serious difficulties in family life due to illness and illness;
(iii) Over two years of continuous unemployment and special hardship for family life;
(iv) Other sudden incidents, causing serious hardship for the family.
Article 14. Employees who apply for the extraction of housing payments shall submit to the Urban Management Centre, for verification of the receipt certificate and the related supporting material in accordance with Article 12, paragraph 13.
The Urban Management Centre shall, within three working days of the date of receipt of the request for the extraction of a housing deposit, make decisions for the granting of a extraction or non-apmission and inform the applicant in writing. The approval of the municipal management centre was granted and the payment procedures were taken by the licensee.
Article 15. The acquisition, construction, recreation of self-saving homes by a worker who has paid a housing bond may apply to the Urban Management Centre for a housing credit. Employees who apply for housing credit shall be in line with the following conditions:
(i) The normal, full and timely payment of housing credits prior to the application of the loan and the period specified;
(ii) The amount paid by funds is not less than the prescribed percentage;
(iii) A stable economic revenue and loan repayment capacity;
(iv) Negative credit practices such as non-financial credit and other debts that may affect the ability to repay loans;
(v) Other conditions specified in the provision for housing bonds in the relevant sectors of the State and the province.
The duration of the provisions in subparagraph (i) and the proportion of the provisions in subparagraph (ii) above are developed by the Urban Management Centre, implemented after the approval of the Commission and made available to society.
Article 16 Employees who apply for a housing credit shall submit to the Urban Management Centre the loan application and the related supporting material for the application of the loan.
The Urban Management Centre shall make a decision to grant loans or not to grant loans within 15 working days of the date of receipt of the request for a housing credit and inform the applicant in writing. To grant loans, the approval document of the Management Centre was sent to the authorized bank for the processing of loans.
Article 17 added value to the housing pool achieved by the Urban Management Centre, which is included in the budget management of the financial fund, in accordance with the balance of the reserve for the payment of the housing credit risk reserve.
The city management centre should make the annual financial report on the housing treasury, which is submitted to the municipal audit office or to the city's financial offices for review, and be made available to society on a regular basis.
Article 19 The Urban Management Centre and the licensed bank shall enter into a crediting contract for the financial operation of the Housing Quantification Fund, while facilitating the processing of housing finance operations by units and employees in accordance with the relevant provisions.
Article 20, in violation of the provisions of the housing treasury management, any unit and individual can lodge complaints, reports to the Centre. The Urban Management Centre shall submit comments within thirty days of the receipt of the complaint, report and inform the complainant, the reporting person.
Article 21 does not deal with the registration of a housing deposit by law, the establishment of a housing credit account for the employees of this unit, the late payment of a housing bond or the payment of a housing bond under the law, and administrative penalties are imposed by the Urban Management Centre in accordance with the provisions of the Regulations.
Article 2 quantifies the withdrawal of their home pools by means of deception, such as the provision of false evidence, which is verified by the Centre's return to its units, the responsibility of the unit and the verification of the unit; the amount that has been drawn up by the Urban Management Centre for the return of its period of time to the violation, and the city management centre could cease the eligibility of its application for the use of the housing pool until the return of the amount indicated.
Deceives of other housing payments by means of deceasing, the municipal management centre shall be responsible for returning to the amount specified in the law; they constitute a crime and are held criminally by law.
Article 23, which is not justified by deceasing, is in violation of the right to a housing credit, and the municipal management centre is responsible for the return of the loan to the contrary; constitutes an offence punishable by law.
Article 24
Article 25 On 1 July 1995, the Government of the commune issued the provisional provision for the establishment of a housing credit system in the city of Kymin, approved by the Quarterly Programme for the Reform of the Town Housing System (No. [1995]64), which was implemented at the same time.