First, there is no need to pay the housing provident fund in the future, which does not meet the conditions for housing provident fund loans.
Second, if we don't mention it now, a year later, there will be many problems and pain will be extracted.
How to withdraw housing provident fund after normal resignation
Beijing Housing Provident Fund Management Center: 1. Non-Beijing agricultural household registration employees can withdraw their household registration when they leave Beijing. 2. Employees who are not registered in Beijing cities and towns leave Beijing, and the housing accumulation fund is sealed in the original unit account in Beijing. You can apply for rent withdrawal or purchase withdrawal through the original unit manager; If you want to find a job in other provinces and cities and set up a new housing provident fund account, you only need to apply to the local housing provident fund center and fill out the Application Form for the Transfer and Continuation of National Housing Provident Fund in Different Places (1 14), then you can transfer the amount in the Beijing housing provident fund account to the new housing provident fund account (you don't have to come to Beijing in person).
In 20 17, the amount of housing provident fund deposit was 1872674 billion yuan, an increase of 13.06% over the previous year. This is also the annual deposit of housing provident fund for five consecutive years to maintain double-digit growth.
Housing provident fund related to housing prices has never lacked attention.
Recently, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank jointly issued the 20 17 annual report on the national housing provident fund (hereinafter referred to as the report), which comprehensively disclosed the management and operation of the national housing provident fund in 20 17 with standardized and accurate words and rich and accurate data, as well as the social and economic benefits achieved. What are the dry goods in the "national account book" of the provident fund covering 3 1 province and Xinjiang production and construction corps? How to read this report?
The coverage of the housing provident fund system has been further expanded, and the amount of deposits has continued to increase.
There is a lot of "growth" data in the report.
The first is the number of payment units and employees. According to the report, in 20 17 years, there were 2,623,300 paid-in housing accumulation funds and paid-in employees1373,722,200, which were 2010.1%and 5.1respectively. There are 376,900 new account opening units and18,282,800 new account opening employees.
The second is the amount of payment. In 20 17, the amount of housing provident fund deposit was 1872674 billion yuan, an increase of 13.06% over the previous year. This is also the annual deposit of housing provident fund for five consecutive years to maintain double-digit growth.
Moreover, at the end of 20 17, the total amount of housing provident fund deposit was1248451200 million yuan, and the deposit balance was 5 162074 million yuan, which also increased by 17.68% and1respectively.
What are the reasons behind these growth figures?
Chu Fuling, a professor at the School of Insurance of the Central University of Finance and Economics and director of the Department of Social Security, said in an interview with China Economic Weekly that there are many reasons, mainly three. First, the awareness of enterprises to protect the rights and interests of employees has increased.
By paying housing provident fund to employees, enterprises can enhance their cohesion and centripetal force to employees; Second, it is related to the improvement of the overall economic environment in China. 20 17 China's economy is generally improving, which is reflected in the enterprise level. Adequate income, the enterprise has the ability to pay housing provident fund for employees; Third, the preferential tax-free policy implemented by the state for housing provident fund is also one of the reasons for the growth of housing provident fund.
Of course, there are also reduced data items in the report. For example, in 20 17, 2,547,600 individual housing loans from housing accumulation fund were issued, amounting to 953.485 billion yuan, down by 222 1% and 24.93% respectively over the previous year.
What causes the reduction of housing provident fund loans? Chu Fuling explained that the decrease in personal housing loans for housing provident fund is first related to the supply of housing. "Housing provident fund is mainly used for loans to buy a house. 20 17, many places have introduced stricter purchase restriction policies. Because of the limited supply, the amount of provident fund loans will be reduced accordingly. "
Secondly, it is related to the efficiency of the use of housing provident fund. As a kind of housing support, the interest rate of provident fund is basically about 6.8 fold of the benchmark interest rate of commercial loans. "Because of the low interest rate, many buyers have paid the provident fund and borrowed according to the local provident fund policy. However, there are still some problems in the convenience of procedures, and even urban real estate development enterprises and housing sales intermediaries restrict, obstruct and refuse housing provident fund loans. Therefore, it is necessary to strengthen the supervision, evaluation and standardization of housing provident fund loans and improve the efficiency of the use of housing provident fund. " Yan Fuling said.
This statement is well founded. According to media reports, at the end of April this year, there were two properties for sale in Hefei. The "Yonglongfu" project developed by Jianfa Real Estate Group Hefei Co., Ltd. and the "Guanlan Garden" project developed by Anhui Ronghe Real Estate Development Co., Ltd. were investigated for refusing to use housing provident fund loans to buy houses during the sales process.
As a result, the Hefei Real Estate Bureau and the Municipal Housing Provident Fund Management Center gave it a informed criticism and ordered it to make corrections within a time limit. In addition, the two departments require the real estate enterprises involved to punish the executives and other directly responsible persons.
When buying a house, developers always refuse to use provident fund loans for various reasons, which makes it difficult for buyers to enjoy the relevant dividends. What is the developer's motivation to do this?
In this regard, some insiders believe that the main reason why developers exclude property buyers from using provident fund loans is the slow payment speed. The loan process of provident fund is complicated and the loan period is long, which directly prolongs the payment period of housing enterprises and leads to the decline of capital turnover rate. Therefore, housing enterprises that pursue high turnover and rapid scale expansion will have resistance to provident fund loans.
In order to protect the legitimate rights and interests of property buyers, this year, Shijiazhuang, Taiyuan and other cities have issued relevant documents to regulate the problem of illegal refusal to lend provident fund.
For example, at the beginning of this year, the official website-Shijiazhuang Housing Provident Fund Management Center issued the "Notice on Launching a Special Rectification Action to Refuse Employees to Use Housing Provident Fund Loans", which showed that from March 26th, 2065438 to May 20th, 20 18, the city's real estate development enterprises and housing sales agencies were mainly inspected for restricting, obstructing and refusing housing provident fund loans, and if there were any problems, they were ordered to make corrections within a time limit. Those who seriously violate the rules and refuse to make rectification will be dealt with severely according to law by means of public exposure, suspension of online project signing and pre-sale fund supervision account disbursement, and inclusion in the enterprise credit information system.
Non-public economic depositors account for nearly half.
According to the Report, among the employees who paid the housing provident fund in China, the employees of urban private enterprises and other urban enterprises, foreign-invested enterprises, private non-enterprise units and other types of units accounted for 45.3 1%, an increase of 2.45 percentage points over the previous year, and the employees who paid in the non-public economy accounted for nearly half.
In addition, among the new employees, employees from urban private enterprises and other urban enterprises, foreign-invested enterprises, private non-enterprise units and other types of units accounted for 7 1.37%, an increase of 2.26 percentage points over the previous year. Depositors in the non-public economy have become the main force of new deposits.
"The proportion of depositors in the non-public economy has advanced by leaps and bounds. There are many reasons. " Chu Fuling summarized it as two points:
The first is the Regulations on the Management of Housing Provident Fund (hereinafter referred to as the Regulations).
It has a "mandatory" role. The "Regulations" stipulate that if a unit fails to register the deposit of housing provident fund or fails to set up a housing provident fund account for employees, the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed. If the unit fails to pay or underpays the housing provident fund within the time limit, the housing provident fund management center shall order it to pay within a time limit; If the deposit is not made within the time limit, it may apply to the people's court for compulsory execution.
"Although the" Regulations "are not laws and regulations, they are also administrative regulations, which have the same legal effect and have their" mandatory "role. In fact, we rarely see cases that are enforced by the court because private enterprises do not give employees housing provident fund. This is also one of the reasons why the housing accumulation fund of private enterprises has soared. " Yan Fuling said.
Secondly, it comes from measures to reduce the burden on enterprises. In April, 20 16, the Ministry of Housing and Urban-Rural Development, together with relevant departments, issued the Notice on Standardizing and Appropriately Reducing the Deposit Ratio of Housing Provident Fund in Stages, requiring that the deposit ratio of housing provident fund be reduced in stages from May, 20 16 (temporarily implemented for two years), and the deposit ratio of housing provident fund higher than 12% shall be regulated and adjusted, with a maximum of 65.42%. In addition, enterprises with difficulties in production and operation can not only reduce the deposit ratio, but also apply for suspending the deposit of housing provident fund.
"Enterprises with small scale or unstable income can lower the lower payment limit and let more employees cross this threshold. This is one of the reasons for the increase in the number of these companies, because the threshold is low and there are many people coming in. " Yan Fuling analyzed.
The value-added income of housing provident fund still needs to be improved.
The value-added income of housing provident fund refers to the income from purchasing government bonds with the balance of provident fund and the interest income from provident fund deposits. The value-added benefits shown in this report are mixed. Fortunately, in 20 17, the value-added income of China's housing provident fund was 76.322 billion yuan, an increase of10.98% over the previous year; Worryingly, the value-added rate of return is 1.57% (editor's note: "value-added rate of return" refers to the ratio of value-added income to monthly deposit balance), which is slightly lower than 1.59% in 20 16 years.
The reporter found that Beijing, Shanxi, Inner Mongolia, Jilin, Shanghai, Anhui, Jiangxi, Hubei, Hunan, Guangdong, Guangxi, Hainan, Sichuan, Yunnan, Gansu, Xinjiang Corps and other regions 16 20 17 annual rate of return exceeded or equal to the national average.
"1.57% value-added rate of return is not high." Chu Fuling told the reporter of China Economic Weekly that the housing accumulation fund should increase in value as far as possible under the premise of safety, except for a certain balance after regular deposit. On the premise of ensuring liquidity and liquidity, take certain safeguard measures to ensure a moderate or high income from housing provident fund.
"For example, long-term and stable projects such as investing in government bonds or financial bonds are relatively safe. This will lead to higher returns. " Chu Fuling suggested that certain measures should be taken in value-added, to strengthen incentives and constraints in this respect, so that relevant institutions and departments can manage and make good use of this fund to ensure its stable value-added. "This should be an important aspect of the supervision and assessment of housing provident fund."
How to withdraw housing provident fund after leaving the job-real estate-people's network
20 17 "national account book" of housing accumulation fund? The amount of deposits continues to increase-People's Daily Online