Chapter I General

Article 1 supports the settlement of housing issues by contributory workers and the improvement of the housing security system, in line with the laws and regulations of the Department of State, the Housing Quantification Management Regulations.

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

Article 3 of this approach refers to housing payments made by units and their employees on a monthly basis in proportion to the total monthly wage income.

The personal contributions of the employee and the unit of the unit of the employee's housing stock are owned by the individual of the employee and no unit or person shall be stopped and transferred.

Article IV is the decision-making body (hereinafter referred to as the Committee) for the management of housing credits in this city, whose composition and responsibilities are carried out in accordance with the provisions of the Housing Mortgage Management Regulations of the Department of State.

The Centre for Housing Administration (hereinafter referred to as the Management Centre) is responsible for the implementation of the decisions of the Committee, the management and operation of the housing pool, which is carried out in accordance with the provisions of the State Department's Housing Mortgage Management Regulations.

The management centre could be based on the need to establish branches in district areas and to implement a unified system with its branches, unified management, harmonization of accounts and uniform accounting.

Sectors and units such as trade unions, civil affairs, finance, human resources security, housing urban and rural construction, audit, statistics, business, housing, tax and people's banks should work in conjunction with the management centre's related work in the management of the housing pool, in accordance with their respective responsibilities.

Article 5 Management centres should determine, through tendering, the delegated commercial banks (hereinafter referred to as trusted banks) to handle the financial operations of the housing pool and to enter into commission contracts with them.

Chapter II

Article 6: The following units within the city's administrative region and their active workers shall contribute to the housing pool:

(i) National organs, utilities;

(ii) Enterprises;

(iii) Civil non-commercial units;

(iv) Social groups;

(v) Individual commercial and industrial workers with employment.

Other units or personnel that may be paid under the provisions may apply to the Management Centre for the payment of the housing pool.

Article 7. The Management Centre shall establish a housing pool in the trustee bank.

The units should be registered at the Management Centre for the registration of the housing pool and the establishment of a unit and a personal housing fund account. Each employee can only have a housing credit account.

Article 8

(i) Revenue and summary form of the housing pool;

(ii) A copy of the business licence or the establishment of an approval document;

(iii) A legal representative's identity documents;

(iv) A recent salary scale for units;

(v) The roster of labour-working and employment unemployment registrations in the human resources social security sector case and the labour contract signed by the unit and the worker under the law, or the documentation;

(vi) Other material provided by the Committee.

Article 9

(i) Changes in the payment of housing payments (increases);

(ii) Staff identification documents;

(iii) The Workplace and Employment Unemployment Registration Roster, which is available in the human resources social security sector, as well as the labour contract signed by the unit and the worker under the law, or the documentation;

(iv) A certificate of contribution for old-age insurance;

(v) Other material provided by the Committee.

Article 10. Units shall be registered with the employee and shall be established by the unit within 30 days of the date of receipt to the Management Centre for the processing of the registration and accounts.

The unit shall terminate or dissolve the labour relationship with the worker and shall be registered and accounted for in the custody centre within 30 days of termination of the labour relationship or removal.

Article 11 Changes in information relating to the management of the housing pool shall be validly certified by a unit or worker within 30 days of the date of the change.

The unit is combined, divided, removed, disbanded or bankruptized, either by the original unit or by the liquidation organization within the statutory period of time to process changes or write-off registration procedures.

Article 12 units shall be paid on time, on a monthly basis, in full, and shall not be deposited or surrendered.

Accumulates for the housing of the employee, which are paid on a monthly basis by the unit, shall be paid in accordance with the relevant provisions.

Article 13

The monthly contributions of the employee's housing deposit amounted to the proportion of the contributions paid by the employee's housing stock; the percentage of the accrued monthly contributions to the employee was donated by the unitary housing.

Article 14. Newly registered workers from the unit began to pay the housing stock in the second month of their participation, paying the base for the month's salary, and the new unit's re-entryed workers have paid their housing credits from the date of the payment of the salary by the unit and pay the base for the month.

The average monthly wage of the employee should be calculated in accordance with the statistics sector's project to include the total wage statistics.

Article 15. The Management Centre has been implemented after the approval of the Committee by calculating the maximum amount of the monthly contribution of the commune housing stock in accordance with the contributory base.

The number of depositories is approved every year, not less than the monthly minimum wage for the previous year's employees in the district, but not more than three times the average monthly salary for workers in the previous year of the city.

Article 16 shall not exceed 5 per cent and shall not exceed 12 per cent.

Article 17 consists of one of the following cases, adopted by the General Assembly of Employers of the Unit or by trade unions, which may apply for a reduction of the percentage of contributions or for a reduction of contributions:

(i) The average monthly wage of the employee is less than 50 per cent of the average monthly salary of the full-market worker;

(ii) Removal of social insurance by law;

(iii) Poor economic benefits or severe losses.

The application for a reduction in the proportion of contributions or for a period of up to 31 December of the previous year was applied. There is a need to continue to reduce the proportion of contributions or to a lesser extent, and the application shall be reopened within 30 days of the expiration of the application. After improvements in corporate economic benefits, the proportion of regular contributions or contributions should be restored.

Article 18 units do not contribute to or do so shall be paid to the worker. The amount of the unit's contribution to the housing pool shall be calculated at the time of the unpaid and unpaid contribution of the employee for the year.

In calculating the amount of unpaid and arsenal, the Management Centre shall provide the employee's salary. The unit does not provide or the worker has no objection to the wage provided, and should be based on the standard of wages approved by the human resources social security sector, the judiciary, or the average salary of the previous employee published by the statistical offices.

Article 19 consists of mergers, separations, disbandment, insolvency or rejuvenation, and shall supplement the contributions paid to the worker. Failure to do so should clarify the subject of the responsibility for housing payments.

The unit was declared in accordance with the law that its unpaid workers should be included in the first liquidation order.

Article 20 Rates of interest in housing credits are implemented in accordance with the interest rate of housing deposit loans issued by the People's Bank of China.

Employers' housing benefits are accrued on a year-by-year basis, on 30 June of each year, after-service interest is deposited in the personal housing pool accounts, from 1 July to 30 June of the previous year.

Chapter III

Article 21, in one of the following cases, may apply for the withdrawal of the storage balance in the home-based account:

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

(ii) Reimbursement of home loans;

(iii) The payment of rents for home-free workers;

(iv) Payment of self-employment fees;

(v) The payment of the first payment of affordable housing and rental housing;

(vi) Employers enjoy the minimum living security of the town or partial loss of labour capacity and other sudden incidents, resulting in serious difficulties in family life, in line with the relevant policy provisions;

(vii) Employer family members suffer from severe diseases, with excessive medical costs, resulting in serious difficulties in family life and in compliance with the relevant policy provisions;

(viii) Retirement;

(ix) Residence;

(x) Full loss of labour capacity and termination or dismissal of labour relations with units;

(xi) The termination or removal of labour relations with the unit and the relocation of the family to the city or to the family without the city;

(xii) The termination or dismissal of labour relations with the unit and the continuing unemployment of two years remains unemployed;

(xiii) Death or death of a worker;

(xiv) Other cases specified by the Committee.

In accordance with subparagraphs (i) to (vii) of the previous paragraph, the housing pool of spouses may be drawn at the same time, and in accordance with subparagraphs (viii) to (xiii) of the previous paragraph, the withdrawal of the worker's housing pool shall be cancelled simultaneously.

The purchase of self-settlement housing does not apply for housing credits, and the storage balance in the accounts of his or her spouses, parents, children's housing shall be disbursed on a one-time basis and the total withdrawal shall not exceed actual housing expenditures.

Article 2 Employers themselves and co- borrowers may, by virtue of their provisions, withdraw the storage balances in the housing pool account for repayment of home loans. The sum of each withdrawal shall not exceed the current period of the borrowing contract agreement.

A lump sum for the withdrawal of the housing bond is also credited to the housing credit and the withdrawal shall not exceed the credit balances.

Article 23 requires workers to extract a housing pool and shall apply to the Management Centre for the submission of the relevant material, as prescribed, and for the authenticity and legitimacy of the material.

Upon receipt of the application, the Management Centre will be able to make a decision at the time and shall make a decision to grant the withdrawal; the relevant information needs to be verified and the decision shall be taken within three days of the date of receipt of the request and shall be communicated to the applicant.

Article 24 buying, constructing, renovating or renovating homes, in line with the following conditions, may apply for a public housing credit:

(i) Natural persons with full civilian capacity;

(ii) A stable occupation and income with the ability to repay loans on a time-bound basis;

(iii) The borrower and its unit shall make the payment of a lump sum for the regular and full housing deposit, and shall remain in the period specified;

(iv) borrowers, co- borrowers who do not have yet done so;

(v) The proportion of the first payment of the purchaser is less than the amount specified;

(vi) Legal and effective security;

(vii) The credit situation of borrowers, co- borrowers and guarantors;

(viii) Other conditions established by the Committee.

Article 25 The city, in accordance with the policy provisions of the State and provincial housing credits, implements the operations of the immediate family's co-payments, distributors, portfolio loans, etc., which are developed by the Committee and implemented by the municipal government.

Article 26 Employers apply for housing credits and shall apply to the Management Centre for the submission of the relevant material as required and for the authenticity and legitimacy of the material.

The Management Centre should review the relevant material submitted by the borrower and the personal asset credits of the borrower, the co- borrower, the guarantor, etc., and make a decision on the granting of loans or non-payment of loans in accordance with the review process within 10 days of the date of receipt of the request and inform the applicant.

Article 27 shall determine the maximum amount of the loan, the maximum period of the loan, and the date of the loan, in accordance with factors such as the average level of income for workers in this city, the level of housing prices and the scale of the funds used by the housing pool.

Article 28 borrowers should agree to return the money and interest on a timely basis in accordance with the borrowing contract.

The borrower does not return the loan in accordance with the contract agreement, and the Management Centre shall require the secured creditor to return the loan and interest or to dispose of the encumbered material in accordance with the law.

The Management Centre and the Trustee Bank shall, in accordance with the contract agreement, receive the payment, recovery of housing credits and incorporate the borrower loan-related information into the People's Bank's personal system.

Article 29 requires the worker to apply for the collection of the storage balance in the housing deposit account or for the application of the housing credits, which shall verify the relevant information and provide proof.

The value-added benefits of the housing pool should be fully accrued to the housing value-added beneficiaries established by the Management Centre in the Upperi Bank for the establishment of a reserve for the risk of housing credits, the management costs of the management centre and other purposes specified by the State.

Article 31 provides that the borrower pays a portion of the advance or all the home treasury loan interest, and the trustee shall not receive the payment of the borrower's default or otherwise increase the conditions conducive to the advance payment of the borrower.

In the sale of commodity premises, real estate development enterprises may not refuse or obstruct the choice of housing credits by the purchaser. The purchaser who chooses housing credits and commercial loans should be subject to the same price of sale and should not increase the conditions conducive to housing credit in any form.

Chapter IV Oversight and services

Article 33 Management centres should prepare a budget for the treasury of housing and be submitted to the Committee for its consideration by the financial sector, subject to review.

The Management Centre shall regularly submit financial reports to the financial sector and the Board, which are made available to society after the consideration of the Board.

Article 34 Management centres should establish robust internal binding and regulatory mechanisms to carry out internal inspections of the collection, extraction, loan and etc. of housing payments, regulate operational management and prevent the risk of funds.

Article XV should strengthen the supervision of housing pooling, extraction, use and financial payments.

The audit sector should monitor the pooling, management and use of housing payments in accordance with the statutory responsibilities and conduct audit surveys of units and individuals that have contributed and used the housing pool.

The management centre should be subject to a supervisory review of the housing pool, extraction, use and management of the parent housing sector.

Sections and units such as civil affairs, human resources security, statistics, business, housing, tax and people's banks should assist the management centre in identifying information relevant to the management of the housing pool.

The Management Centre should work with the People's Bank to integrate the corporate housing stock into the enterprise conquest system.

Article 37 Banks should strictly perform the delegated contract with the Management Centre, provide services to units and workers in the conduct of the financial operations of the Housing Quantification Fund in accordance with operational norms and requirements, and regularly report relevant operational information to the Management Centre and receive the supervision of the Management Centre.

The Management Centre shall conduct a review of the financial operations of the Trust Bank for the processing of the housing pool.

Article 338 Management centres, trustee banks, units and relevant staff have a confidential responsibility for the information on the treasury account.

Article 39 The Management Centre shall take the following measures to monitor the status of the deposit of the Unit's housing stock:

(i) Inspection of entry units;

(ii) Access to the reproduction of documents and materials related to the payment of housing deposits;

(iii) To request clarifications from the inspection units on issues;

(iv) A third-party audit of the inspectorate;

(v) Data such as the number of active employees and the salary base for the relevant sector verification units.

Units and relevant personnel should cooperate with the supervision inspection of the Centre without prejudice and obstruction.

Article 40 Management centres should sound management systems, improve service systems and service networks, establish a housing pool information management system, open service systems, simplify procedures and openly monitor complaints.

Article 40. The unit shall arrange for the management of the pool of housing payments, changes, write-offs and transfers of accounts, and seals for workers.

Article 42 empowers workers to access the collection, extraction and use of their own housing payments, and the management centres and the deposit units shall cooperate with them.

Employers contest the storage balances in the housing pool account and may apply for review to the Management Centre. The Management Centre shall respond within 5 days of receipt of the request.

Employers have the right to denounce, prosecute and prosecute the misappropriation of housing payments.

Chapter V Legal responsibility

Article 43, in violation of this approach, provides that the trustee bank does not conduct the financial operation of the housing treasury in accordance with a contract agreement, or, in the course of the commissioning of the operation, violates the relevant provisions of the housing treasury management and is held accountable for its default; in the event of serious circumstances until the removal of its commissioning operation; constitutes an offence and is held accountable under the law.

Article 44, in violation of this approach, provides that units do not conduct the registration of a treasury or do not establish procedures for the processing of the housing treasury accounts by the employees of this unit, are charged by the management centre for a period of time, and that, by the law, more than 50,000 dollars is fined.

The unit was delayed or donated by the management centre for the period of time; it was still outstanding and could apply to the People's Court for enforcement in accordance with the law.

Article 42, in violation of this approach, provides that units are not synchronized with monitoring inspections or are charged with reporting, concealing the information provided by the management centre for the period of time; and that there is no change over the past three thousand fines.

Article 46, in violation of this approach, provides that the CMRC shall be responsible for a period of five years from the date of the offence or from the date of the return of funds to the treasury, the transfer of housing funds, the loan operation, and the payment of more than 3,000 dollars of dollars to the extent that the amount of money does not exist; and the prosecution of criminal liability under the law.

Article 47 develops businesses that violate the provisions of article 32 of this approach by changing the time limit of the management centre's responsibility; by failing to change; by paying a fine of up to 30,000 yen and incorporating the enterprise conquest system.

Article 48 violates the management of the housing treasury has not been found in two years or has been reported to have no administrative penalties.

Article 49, in violation of this approach, provides for the misappropriation of housing funds by law and forfeiture of proceeds derived from the law; the disposition of persons responsible for misappropriation or approval of the expropriation of housing funds by law; and the criminalization by law.

Article 50, Staff of the executive branch and staff members of the Housing Quantification Fund management, abuse of their functions in the management of housing credits,ys of negligence, favouring private fraud, disposing of the responsible person; and legal accountability.

Annex VI

Article 50 of this approach refers to the housing of a worker who resides and has the right to ownership of the house in accordance with the law, including self-construction, affordable housing, general commodity housing.

The construction referred to in this approach refers to the approval of self-saving homes in sectors such as land resources, rural and urban construction and planning.

This approach refers to the approval of all demolitions, other designs and re-engineering of homes, in accordance with the resources of the land, rural and urban construction, and planning sectors.

This approach refers largely to the identification by the local housing identification department of a serious damage to homes, at risk, the need to involve, or to destroy, the main components of the housing component, but not to be completely dismantled, and a new construction price of more than 25 per cent for the same building. General family renovations, dressings, renovation and minor repairs are not significant.

Article 52, paragraph 3, 5 and 10, refers to the working day.

Article 53 may establish implementation rules based on this approach.

Article 54