Pay in the current month and take effect in the current month.
1. The housing accumulation fund paid by individual employees shall be withheld and remitted from their wages by the unit where they work. The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.
2. New employees start to pay housing provident fund from the second month of work; The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred unit pays wages.
3. Where a unit hires employees or terminates labor relations with employees, the unit shall, within 30 days from the date of hiring or terminating labor relations, go to the housing provident fund management center for deposit registration or change registration, and go to the entrusted bank for the establishment, transfer or sealing of employee housing provident fund accounts with the audit documents of the housing provident fund management center.
4. The newly established unit shall, within 30 days from the date of establishment, go to the housing provident fund management center to register the deposit of housing provident fund, and within 20 days from the date of registration, go to the entrusted bank to handle the procedures for the establishment of individual accounts of housing provident fund for its employees with the audit documents of the housing provident fund management center.
Can't the provident fund hedge the first month repayment?
Provident fund hedging repayment can be hedged in the first month. Monthly withdrawal refers to the method of directly withdrawing the loan principal and interest of the current month from the customer's provident fund account every month. When the withdrawal amount of the provident fund is insufficient, the customer should make up the repayment amount in time, which can offset the principal and interest of both the provident fund loan and the commercial loan.
I. Hedging repayment of provident fund
If the customer chooses the one-time repayment method, he can't choose the monthly repayment method, but only choose one of them. But if you want to change the repayment method in the future, customers only need to go to their own loan bank to change the repayment method. Materials required for loan repayment: 1, account number, ID card and household registration book of the borrower, the borrower's spouse and the borrower's housing provident fund; 2. The borrower's marriage certificate; 3. The borrower's recent loan repayment certificate; 4. The borrower's savings repayment account; 5. The original loan contract shall be kept by the borrower.
Second, the housing accumulation fund.
Refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.
To sum up, the benefits of the provident fund are exempt from personal income tax, and the housing provident fund paid by units and individuals according to the proportion stipulated by the state is exempt from personal income tax, that is, the amount paid into the personal account of the housing provident fund and the interest income of the housing provident fund are exempt from personal income tax and enjoy the benefits of low-interest provident fund loans. Workers who use provident fund to buy houses and build houses can apply for housing provident fund loans, and the interest rate of provident fund loans is much lower than that of ordinary commercial personal housing loans.
Does the provident fund hedge take effect in real time in the current month?
The "monthly mortgage repayment" business of housing provident fund refers to the operation mode that employees who have applied for housing provident fund loans to the provincial center use the housing provident fund deposited by borrowers (mortgage borrowers) and spouses (* * * mortgage borrowers) in the center to offset part or all of the monthly repayment.
I. Application conditions
1. The status of the housing provident fund account of the hedging borrower is normal.
2. The hedging borrower has no overdue debt at the time of application, and there are no overdue records for more than three periods in 1 year.
Second, the processing time and method
1. When applying for a housing provident fund loan, sign the application in the column of "Monthly Hedging Service Application" in the Application Form for Guaranteed Loan of Individual Housing Provident Fund, and the loan will take effect in the current month.
2. After the housing provident fund loan is issued, the application will take effect at the central counter during normal business hours from 5th to 20th of each month.
Third, the monthly hedging repayment method
Monthly offset repayment means that the balance of the borrower's housing provident fund directly offsets the monthly loan principal and interest on the specified daily deduction date (first to the borrower, then to the spouse). If the balance of the borrower's provident fund account (the balance that should be kept in the housing provident fund account during monthly hedging 100 yuan) is less than the monthly repayment principal and interest, the center will deduct the difference from the designated borrower's bank repayment account; If the amount of the repayment account in the bank is also insufficient, it cannot be hedged this month, and the month will be treated as overdue, and the guarantee company will compensate.
Fourth, the change of monthly hedging repayment.
1. After the loan is settled, the hedging repayment will be automatically terminated.
2. During the loan period, you can apply for termination of hedging, or increase or decrease the number of hedging borrowers.
3. During the repayment period of the hedging loan, if the hedger fails to repay the loan for more than three times, the Center has the right to terminate its hedging loan repayment business by itself.
Verbs (short for verb) deal with the information needed.
1. Original ID card of the borrower;
2. If the spouse's agent or spouse participates in (or cancels) hedging at the same time, the spouse's ID card and the original marriage certificate shall also be provided.
Sixth, the handling process
The borrower or spouse submits an application with relevant materials → the counter manager of the central business hall accepts the examination and approval, prints the Approval Form for Monthly Repayment of Hedge Loan, and returns it to the applicant's customer after being signed and confirmed by the applicant.
Precautions: Please check the balance of the provident fund account regularly after the monthly loan repayment. When the balance is insufficient, it is necessary to deposit the difference into the bank loan repayment passbook before the 20th of the current month to avoid overdue repayment. ※.
Does the provident fund take effect in the current month?
As long as the provident fund is paid in, it will take effect. If you want a provident fund loan, you must pay the personal provident fund for six months before you can apply, so don't break off the relationship.