Starting today, the newly revised “Housing Provident Fund Management Regulations”(hereinafter referred to as the “Regulations”) was officially implemented. This is another major systematic adjustment of the regulations after 2002 and 2019.
The new regulations change the original 6 types of extraction situations to 9 types.Provident funds can be used to renovate self-occupied houses and pay property fees. People with flexible employment can also voluntarily contribute to housing provident funds.
Your provident fund becomes more “useful”.
Extract the scene “6 changes to 9”
It can be used for decoration and property expenses
The new version of the Regulations makes important adjustments to the withdrawal of housing provident funds and further relaxes the conditions for withdrawing housing provident funds.
From now on, employees will pay rent and withdraw provident funds. There will no longer be a threshold for rent to exceed the prescribed proportion of family income.. At the same time, a new housing consumption extraction scenario is added: Housing provident fund can be withdrawn by renovating the self-occupied house and paying property fees for the self-occupied house.；另外， Other housing consumption situations approved by the State CouncilAlso included in the extraction scope.
At the same time, the revised regulations retain the original withdrawal situations such as purchase, construction, renovation, and overhaul of self-occupied housing; repayment of principal and interest of home purchase loans; retirement; complete loss of labor ability and termination of labor relationship with the unit; and settlement abroad.
People with flexible employment can make voluntary deposits
Individual industrial and commercial households, part-time employees and other flexible employment personnel can voluntarily contribute to the housing provident fund, enjoy corresponding policy support in accordance with regulations. Specific measures shall be formulated by the local people’s governments at or above the districted city level.
It is understood that Yichang, Jinan, Liuzhou and other places have gradually relaxed the deposit restrictions for flexible employees. Flexible employees who have not reached the legal retirement age, including delivery persons, couriers, online ride-hailing drivers, individual industrial and commercial households, etc., can open accounts and make deposits online.
Clarify the behavior of fraudulent withdrawals and fraudulent loans
Delineating legal red lines for the use of provident funds
While usage is being relaxed, risk control is also being tightened.
新規 Further strengthen risk prevention and control of housing provident fund funds:
- On the one hand, to strengthen credit constraints, the Housing Provident Fund Management Center will establish comprehensive, complete and accurate credit records and incorporate them into the national credit information sharing platform.
- On the other hand, clear legal responsibilities are stipulated for those who illegally withdraw housing provident funds and obtain housing provident fund loans through fraud, forgery of certification materials, and other means.
Anyone who illegally withdraws housing provident funds through fraud, forged certification materials or other means shall be ordered by the Housing Provident Fund Management Center to return the illegally withdrawn housing provident funds within a time limit. You are not allowed to withdraw housing provident funds or use housing provident fund loans within 3 years.。
Anyone who illegally obtains a housing provident fund loan through fraud, forged certification materials or other means shall be ordered by the Housing Provident Fund Management Center to return the loan funds within a time limit. The housing provident fund shall not be withdrawn or the housing provident fund loan used within 5 years.
National mutual trust and recognition
Speeding up business processing again
There is another important change in the newly revised regulations: Housing provident fund payment records achieve national mutual trust and mutual recognition, simplifying the procedures for employees to apply for withdrawing housing provident funds, Shorten the review time for Housing Provident Fund loan applications, making business processing such as housing provident fund transfer and extension, and off-site loans more convenient and efficient.
How to apply for withdrawing housing provident fund?
- Application channels:Apply online through various provident fund apps, mini-programs, and online lobbies; you can also apply offline at the provident fund service window. The new regulations clearly simplify the application for withdrawal procedures.
- 辦理時限：After the Housing Provident Fund Management Center accepts the application, A decision to approve/disallow withdrawal will be made within 3 days, and notify the applicant; if the withdrawal is approved, the entrusted bank will handle the payment procedures.
提醒：Before handling the housing provident fund withdrawal, it is recommended to log in to the local provident fund center app or call the 12329 housing provident fund service hotline to confirm the withdrawal qualifications and material list.
因城施策
Adjust and optimize housing provident fund policies in many places
The use boundary of provident funds is extending from “buying a house” to “residing”. Recently, many places have successively adjusted and optimized their provident fund policies. The withdrawal scenarios are no longer limited to house purchases and rentals, but gradually cover daily living expenses such as decoration, property fees, aging-friendly renovations, and elevator installations.
- 湖南郴州: The housing provident fund can also be withdrawn for the purchase of new parking spaces, payment of property fees, etc.
- 陝西延安: Comprehensive coverage of daily housing expenses such as heating costs in winter and purchase of parking spaces and storage rooms.
- 甘肅多地: The maximum withdrawal amount for aging-appropriate transformation is 100,000 yuan.
- 沈陽: Landed provident funds are used for habitability improvements.
- 成都: Children can withdraw provident funds to install an elevator in their parents’ residence.
- Yangzhou, Suqian: Provident funds can be used to pay property fees.
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