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Harbin City Housing Management

Original Language Title: 哈尔滨市住房公积金管理办法

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(Summit 10th ordinary meeting of the Government of the Hasarhama on 8 August 2007 to consider the adoption of Decree No. 167 of 30 August 2007 on the People's Government Order No. 167 of 30 August 2007 (effective 1 October 2007)

Chapter I General
In order to strengthen the management of housing pools, to preserve the legitimate rights and interests of the owners of the housing pool, to promote housing construction and to increase the level of residence of the urban population, and to develop this approach in conjunction with this city, in accordance with the State Department's Housing Quantification Regulation.
Article 2. This approach applies to the collection, extraction, use, management and supervision of communal housing deposits within the city's administration.
Article 3 of this approach refers to the payment of long-term housing reserves in accordance with the provisions of the National Authority, the cause unit, State-owned enterprises, the collective enterprises of towns, private businesses and other town enterprises, the Civil Service Unit, the Social Group (hereinafter referred to as the unit) and its in-service workers.
In-service employees of the foreign-investment enterprise are those who are employed.
Article 4
Article 5 units and their in-service workers shall fulfil their obligations under this scheme.
Article 6. Employers have the right to require their units to pay their housing credits; the right to search, extract, use of housing treasury and apply for housing credits.
Article 7. The housing pool shall be used for the purchase, construction, recreation, renovation and self-sustainability of the individual worker, and any unit and individual shall not be expropriated and diverted to him.
Article 8. The management of the housing treasury, the introduction of the decision of the Housing Quantification Management Committee, the operation of the Housing Quantification Management Centre, the principles of bank ownership and financial oversight.
Article 9. The Committee on Housing Mortgage Management (hereinafter referred to as the Committee) is the decision-making body for the management of the housing pool. Among the members of the Commission, the heads of the relevant sectors, such as the construction, finance, the People's Bank, and the experts concerned, accounted for one third and the representatives of trade unions and workers, representing one third.
In accordance with the relevant provisions of the Housing Mortgage Management Regulations of the Department of State, the Committee performs its responsibilities for the management of housing.
Article 10, in accordance with the principles of streamlining and effectiveness, established a Housing Quantification Management Centre in the city, where there is no establishment of a housing pool.
The Hilko Housing Mortgage Management Centre (hereinafter referred to as the Management Centre) may establish branches in eligible districts (markets). The Management Centre has harmonized regulations with its branches and conducts unified accounting.
The Management Centre is an independent business unit for the self-employment of the immediate commune people's Government, which is responsible for the management of the entire municipal housing stock. Its responsibilities are:
(i) Preparation, implementation of the housing pool and use plan;
(ii) To document the collection, extraction, use, etc. of the contributions of the FGM;
(iii) The recommendations of the Committee for the adjustment of the proportion of the contributions paid by the housing pool with the relevant departments;
(iv) An account of the housing pool;
(v) Approval of the extraction and use of the housing pool;
(vi) Reservations and restitution for housing payments;
(vii) Preparation of the implementation of the housing pool and the use plan;
(viii) Other matters decided by the Board.
Article 11. The Board shall designate commercial banks entrusted with the financial operations of the Housing Quantification Fund (hereinafter referred to as commissioned banks) in accordance with the relevant provisions of the State; the Management Centre shall entrust the authorized bank with the establishment, receipt, repayment, etc. of financial operations, such as settlement, and the establishment of the housing deposit accounts, as well as procedures for the settlement of the deposit of the housing treasury.
The Management Centre shall enter into a commissioning contract with the licensee.
Chapter II
Article 12 Management centres should establish housing pools (including depositor, settlement, crediting funds).
Article 13 Management centres should establish units and their staff members' housing pools, document the collection, extraction, etc. of personal housing payments made by the employee and account for the individual.
Article 14. The Management Centre shall issue effective vouchers of depositaries to the workers who have paid a housing deposit and facilitate access to the worker.
Article 15. Units should be registered at the Management Centre for the processing of the registration of the housing treasury, the housing treasury, and the designation of banks for the processing of the home treasury. The newly established units should be processed within 30 days of the date of the establishment and the procedures established for the registration and accounts of the housing deposit.
The unit allows for the selection of a charging bank to open a housing credit account; each employee only allows for the opening of a housing credit account. The units that have already been entrusted with the opening of the bank account should be transferred to the Management Centre to deal with the merger of the housing pool accounts.
Article 16 should be based on the Housing Accumbency Registration Table, the Housing Quantification Book and the Housing Quantitary List, and the establishment of the accounts of the FGM.
Article 17 Individuals of the worker shall be paid in accordance with the provisions of the housing deposit, by the unit in which they are paid in their monthly salary; the unit shall be credited by month. The unit shall, within 5 days of the date of the monthly payment of the monthly salary, repayment of the unit's deposit and the payment of the treasury housing payments to the authorized bank's housing treasury, which shall be taken into account by the licensee's account.
Article 18
(i) In the event of a change in the total contributions of employees and housing payments in the month, the lump sum of the last month's remittance payments could be completed in accordance with the Housing Eccumulation Certificate and the processing of the payment process;
(ii) In the event of changes in the total monthly contribution of the employee and the housing treasury, the payment of the housing pool shall be made in accordance with article 20 of this scheme, after the processing of the changes in the treasury accounts of the authorized bank;
(iii) When the monthly changes in the number or proportion of contributions paid by the employee's housing stock shall be subject to the approval of the Management Centre and the processing of the payment of a change in the housing pool by the authorized bank;
(iv) Upon receipt by the bank of the Housing Eccumulation Award, the relevant data is recorded in the computer and is recorded in the unit and the individual accounts of the employee and transferred to the Management Centre within two working days the Unit's Housing Accumulation Award.
Article 19 merged, separated, disbanded or bankruptized units shall be registered or cancelled from the original unit or the liquidation organization to the management centre for the processing of the changes in the housing pool and transferred, stored or rotated from the date of the proper registration or cancellation of registration.
Article 20 includes new workers and re-entry workers, and shall be processed within 30 days of the date of formal approval or approval of the recruitment into the workforce. A new employee was registered with the licensed bank for the processing of the housing stock and the establishment of the accounts; a new unit of the employee's former was transferred to the Management Centre for the transfer of the accounts and a personal account was made available for new workers without a housing fund account by a unit.
The unit shall terminate the labour relationship with the employee, within 30 days of the termination of the labour relationship, be registered at the Management Centre for a change in the pool of the employee's housing and receive the management centre's clearance documents and transferred or closed procedures to the charging bank for the processing of the treasury account.
Article 21, the unit and the employee received a maximum of 12 per cent in accordance with the average monthly salary of the employee for the previous year, which was not less than 25 per cent of the employee's salary for the previous year, and the number of employees who participated in the work after the introduction of the financialization of housing on 1 January 2001, which had been paid by the employee in accordance with the proportion of 25 per cent of the average monthly salary of the employee. Employees' housing benefits should be given in the personal accounts by an increase in the proportion of contributions paid to the housing stock.
The proportion of the housing treasury was duly adjusted with economic development, which was prepared by the Commission and endorsed by the Government of the province, following a review by the commune.
The new employee participating in article 22, who had paid a housing deposit from the date of the second month of the salary paid to the work, was authorized by the monthly payment rate of the payment in accordance with his or her second month's salary.
Employees who are newly reunited have paid their housing payments from the date of the payment of their salary by the unit, which was approved by the monthly salary in accordance with the prescribed percentage of their contributions.
Article 23 should be paid in full to the worker for a housing stock in a monthly manner and shall not be paid or donated.
In order to make a difference in the payment of housing payments to the employee, the proportion of contributions paid to the housing stock or the suspension of the housing pool must be reduced by the discussions of the General Assembly or the trade union, and after the approval of the Management Centre, the proportion of the contributions or the suspension of the deposit of the housing bond may be reduced, and the proportion of the contributions will be increased or paid. The time period for the suspension of housing payments should not exceed one year, but more than one year would have to be reduced, and the reporting process should be reorganized.
Article 24 should establish a nuclear system for the management of the operation of the housing treasury and carry out inspections of internal operations.
Article 25 Units shall, by 31 January of each year, be authorized for the monthly deposit of a unit with the personal housing stock of the employee, in accordance with the average monthly salary and the amount of contributions granted by the previous year's employee, and for the period from 1 January to the date of the new approved month.
The units of the deposit of the housing bond shall be charged to the Management Centre each year to check the balance of the accumulated deposits of the unit's home; the deposit of the accounts and unit-owned balances of the authorized bank to the unit and its staff members for the benefit of the units and their staff members within two months of the end of the year (i.e. 30 June).
Article 26
(i) In the budget;
(ii) The unit of the cause shall be charged in the budget or cost after the income and expenditure approved by the financial sector;
(iii) Enterprises are charged at cost.
Article 27 came from the date on which the housing bond was deposited in the FCF accounts, in accordance with the State-mandated interest rates.
Chapter III
Article 28 has one of the following cases in which the worker can draw on the storage balance in his home treasury accounts:
(i) buying, constructing, renovating and renovating homes;
(ii) Removal, retirement;
(iii) Full loss of labour capacity and termination of labour relations with units;
(iv) Residence;
(v) Reimbursement of mortgage loans;
(vi) The termination of labour relations between non-resident workers and units;
(vii) Removal of the city's territory;
(viii) The rent exceeds the proportion of the household salary income.
Based on the provisions of subparagraphs (ii), (iii), (iv) of the previous paragraph, the withdrawal of the savings in the housing pool should be accompanied by the write-off of the FCFA accounts.
Employers die or have been declared dead, their legitimate successors, the survivor's grantees may draw their storage balances in their housing pool accounts and write off their housing deposit accounts; the non-sistance also has no survivor, and their storage balances in the housing treasury account are added to the value added.
Article 29 Removal of the balance of the housing deposit in the personal accounts by the worker shall apply to the Management Centre on the basis of the extractive certificates from the unit and the following materials:
(i) The purchase of self-habited housing, the submission of public housing clearance procedures or the purchase of effective contracts for commodity housing, effective vouchers for private housing transactions;
(ii) Construction of self-habited housing and submission of approval documents for planning and land management;
(iii) Extensive renovation or re-engineering of homes and submission of approval documents for planning management;
(iv) Removal, retirement, submission of proof of departure, retirement and original units;
(v) The complete loss of labour capacity and the termination of labour relations with the unit and the submission of legal and effective loss of labour capacity proof and proof of termination of labour relations;
(vi) The settlement of the dispute, which is submitted to the relevant authorities, such as the public security authorities, for the purpose of the settlement (migrant paper, settlement cards, permanent residence visas, etc.) or for the cancellation of family statements;
(vii) Reimbursement of the loan interest, submission of further vouchers and borrowing contracts;
(viii) The termination of labour relations between non-resident employees and units and the submission of certificates of origin from the home management and proof of termination of labour relations;
(ix) Removal from the jurisdiction of the city by submitting a transfer letter to the new account for the repayment of the unit's personal pool of employees;
(x) The death of a worker or the declaration of death, whose successor or the survivor shall submit an effective certificate of death and valid proof of succession.
(xi) The rent exceeds the proportion of the household income provision and the provision of the same family member's salary income certificate, a household book, which belongs to a rented house, and the provision of the Public Housing Location Certificate, which is part of a rent-free housing, shall also be submitted to the certificate of registration of the rental management authority and the tax vouchers from the tax sector.
The Management Centre shall, from the date of receipt of the application, make a decision to grant the extraction or non-apmission and inform the applicant; grant the extraction process in accordance with the provisions.
Insofar as the management centre takes no decision, the applicant may apply for administrative review or administrative proceedings in accordance with the law.
Article 33 Employees who fulfil their obligations under the housing pool may apply to the Management Centre for a housing credit when purchasing, constructing, constructing and renovating homes.
The housing credit scheme is developed by the Government of the city.
Article 31 Management Centres, subject to the granting and loan of housing payments, may, with the approval of the Committee, make housing payments available for the purchase of State debt.
The management centre shall not provide security to others, nor shall the housing pool and its value added benefit be used for investment, participation and purchase of shares.
The value-added benefits of the housing pool should be deposited with the exclusive value-added benefits of the housing pool established by the delegated bank for the establishment of a reserve for housing credit risk, the management of the Centre and the construction of additional funds for affordable housing in cities. The percentage of the construction of a housing fund risk reserve is approved by 60 per cent of the value added of the housing pool, or by 1 per cent of the annual housing credit balance.
Article 33, when the enterprise is declared in accordance with the law that the insolvency shall be reimbursed by law as a matter of priority for the payment of its outstanding housing credits and credits.
The management costs of the Centre and the supplementary funds for the construction of affordable housing in urban areas should be vested in the treasury.
The management costs of the Centre are budgeted by the Management Centre in accordance with the prescribed criteria, and after the approval of the municipal finance sector, financial transfers from the value added of the housing pool are made to the city's finance.
The management cost standards of the Centre (including dedicated costs such as office costs, operating expenses, upgrading of the management facility) are approved in accordance with the cost criteria for the unit of activities that are slightly higher than those established by the State.
Chapter IV Oversight
Article XV Annual budget for housing payments prepared by the Management Centre shall be submitted to the Committee for its consideration after the approval of the municipal financial sector.
The Management Centre shall regularly report financial reports to the financial sector and the Board and make financial reports available to society.
Article 36 Management centres should be subject to the audit supervision of the audit department by law.
Article 37 Management centres and unit workers have the right to perform the following obligations on time:
(i) Registration or modification, write-off registration of FCs;
(ii) The establishment, transfer or storage of the housing credit account;
(iii) Accumulate housing in full.
Employers have the right to denounce, prosecute, charge of misappropriation of housing payments by this unit.
Article 338 The Management Centre should urge the authorized banks to carry out the operations entrusted with contracts in a timely manner.
Banks entrusted should provide operational information to the Management Centre on a regular basis, in accordance with the agreement of the commissioning contract.
Chapter V Legal responsibility
Article 39, in violation of this scheme, provides for the non-communication of a housing deposit or the absence of a formalities for the housing pool accounts for the employees of this unit, to be charged by the management centre for a period of time; and a fine of up to 50,000 dollars.
Article 40, in violation of this approach, provides for unpaid or less-paid housing payments, which are made by the management centre for a period of time, and which is still unanticipated and can be applied to the enforcement of the People's Court.
Article 40
Article 42, in violation of financial regulations, is subject to administrative penalties by the municipal financial sector.
In violation of this approach, the Management Centre provides security to others, by virtue of the law by a superior authority or a unit responsible for the direct responsibility of the supervisor and other direct responsibilities.
Article 44, Staff in the Housing Quantification Management and Oversight Service misused their functions in the context of the supervision of the housing stock,ys of negligence, provocative fraud, which constitutes criminal responsibility under the law, and is not yet a crime punishable by law.
Annex VI
Article 42 Financial management and accounting of housing payments are implemented in accordance with the relevant national provisions.
Article 46 provides for flexible employment workers and individual business and employees in the town, with voluntary contributions to the housing pool and the use of public funds in accordance with the provisions.
Article 47 The Modalities for Housing Mortgage Management, issued by the Government of the city on 9 June 2000, were also repealed.