CCTV News:On the 7th, Beijing Housing Provident Fund Management Center issued the Notice on Implementing Phased Support Policies for Housing Provident Fund on its website, in order to further strengthen the efforts of housing provident fund to help enterprises to tide over the difficulties and help enterprises and depositors affected by the epidemic to tide over the difficulties together. We will implement the requirements of the Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People’s Bank of China on Implementing the Phased Support Policy for Housing Provident Fund (J.J. [2022] No.45) and the Notice of the Beijing Municipal People’s Government on Printing and Distributing the Implementation Plan of Beijing Municipality for Coordinating Epidemic Prevention and Control and Stabilizing Economic Growth (J.F. [2022] No.23), and hereby notify the relevant matters as follows:
1. Units affected by the COVID-19 epidemic can apply for holdover of housing provident fund through the online business platform of housing provident fund units, and should pay back after the expiration. During this period, the paid employees can normally withdraw and apply for individual housing loans from the housing provident fund, which is not affected by the holdover.
Second, in order to better meet the actual needs of rent payment, if the depositor does not own a house in the administrative area of Beijing and rents a commercial house, and truthfully provides the rental invoice, the rental withdrawal amount shall be determined by the actual rent paid by the depositor, and shall not be limited by the monthly deposit amount of the depositor. If the rent exceeds the reasonable level of the rental area, the audit should be strengthened to prevent risks.
Three, affected by the COVID-19 epidemic, the borrower can not repay the housing provident fund personal housing loans, not overdue, no penalty, not as overdue records submitted to the credit department.
Fourth, continuously improve the efficiency of convenience services. We will further promote self-help handling and whole-process online handling, add external service telephones to help the masses handle online business consultation and explanation communication, effectively solve the needs of the masses during the epidemic, reduce the number of people in the business service hall, and prevent the spread of the epidemic by means of online handling, handheld handling, non-meeting and two-way delivery.
Five, the implementation time of this notice is tentatively scheduled to December 31, 2022. Beijing Housing Provident Fund Management Center, the Central Committee of the Communist Party of China directly under the authority Sub-center, Central State Organs Sub-center and Beijing Railway Sub-center refer to the implementation.
Policy Interpretation of "Notice on Implementing Phased Support Policy for Housing Provident Fund"
1. Scope and time of policy application?
Scope of application: First, enterprises that are affected by the COVID-19 epidemic and have difficulties in operating and paying housing provident fund; Second, the housing provident fund affected by the epidemic was paid to employees.
Applicable time: this policy is a phased policy to deal with the epidemic, and the deadline is December 31, 2022.
2. What changes have been made in the policy of applying for deferred payment during the epidemic period compared with the original policy?
When submitting an application for deferment, the unit only needs to provide one copy of the Application Form for Reducing the Deposit Ratio and Deferred Payment of the Housing Provident Fund for the Unit, and it is not necessary to provide the Commitment Letter for the Unit to Apply for Reducing the Deposit Ratio and Deferred Payment of the Housing Provident Fund.
It should be noted that after the expiration of the phased policy, the unit should pay back the deferred payment month previously applied.
3. How can the units affected by the epidemic apply for holdover?
Units can apply for deferred payment through the online business platform of housing provident fund, download and fill in the Application Form for Reducing the Deposit Ratio and Deferred Payment of Unit Housing Provident Fund automatically generated by the system and affix the official seal, and then upload photos or scanned copies through the system. The holdover period is from the current remittance month of the unit to December 2022.
Enterprises applying for holdover should fully negotiate with employees, in line with the provisions of the Regulations on the Administration of Housing Provident Fund.
4. Can I apply for deferred payment by mail?
If the company is not convenient to access the Internet, it can call the telephone number of the management department announced by our center in official website (website: http://gjj.beijing.gov.cn/web/zwgk61/xwdt/_ 300662/325839181/index.html) and make an agreement with the management department, and then download the telephone number from "Beijing Housing Provident Fund Network-Government Services-"
5. If the unit applying for deferred payment pays the housing provident fund through collection, should it stop the collection business at the same time as the deferred payment application?
No need to take the initiative. After the company successfully applied for holdover. Its collection business automatically stops. It is suggested to apply for deferred payment in advance before the collection date.
6. The company’s business situation has improved, and I hope to end the holdover in advance. What should I do?
If the company doesn’t want to defer payment until December 2022 and wants to end the deferred payment ahead of schedule, it can apply for a re-payment at the counter of any management department in the month of re-payment. The carrying material is the original ID card of the unit manager, and there is no need to fill in any form. After the payment is completed, the month of remittance will be automatically adjusted to the month of payment. If the company wants to resume collection, it can handle it through the online business platform or counter.
For example, Company A applied for deferred payment from May to December, 2022. In August, 2022, Company A’s business status improved, and it hoped to resume the remittance status. Then the manager should bring his original ID card to the counter of any management department to apply for re-payment during August 2022. After the payment is completed, the remittance month of Company A will be automatically adjusted to August 2022.
If the unit is really unable to go to the counter because of the epidemic situation, the unit manager can call the management department to apply for re-payment.
7. How to handle the increase or decrease of employees after the unit has deferred payment? For example, the application for deferred payment began in May, and all the increase and decrease staff operated in May?
The start time of holdover is the current remittance year and month of the unit. During the holdover period, the increase or decrease of employees in the company is in the current remittance year and month. The unit can pay back for the employees after the holdover expires according to the actual on-the-job time of the employees.
8. How to deal with the New Year’s Eve in 2022 after the unit deferred payment?
Units affected by the epidemic to apply for holdover, holdover time as of December 2022.
When the company applies for deferred payment, if the remittance month is May or June, 2022, it is not necessary to apply for the approval of the new year’s inventory in 2022. If the employee’s annual deposit base of housing provident fund changes in 2022-2023 after the unit re-pays in January 2023, he can handle the "adjustment of deposit amount" for the employee through the online business platform or counter.
9. How can I apply for the re-payment procedure when the company has deferred payment until the end of December 2022?
From January 1, 2023, the company will automatically pay back, and the remittance month is January 2023, and no materials need to be provided. After re-payment, the unit shall pay back the deferred month applied for before as soon as possible. If the unit is still affected by the epidemic situation, it may continue to apply for holdover according to the normalized holdover policy.
10. What changes have been made to the rental withdrawal after the implementation of the phased policy?
If a new rental invoice is provided to apply for rental withdrawal, before the implementation of the phased policy, if the monthly rent of employees is higher than the monthly deposit amount of housing provident fund, the withdrawal amount can only be determined according to the monthly deposit amount; After the phased policy is implemented, the withdrawal amount can be determined according to the actual rent paid, and is not limited by the monthly deposit amount. If the balance is insufficient, it shall be calculated by deducting 10 yuan from the balance.
For example, applicant B’s monthly housing provident fund deposit is 3,000 yuan, the monthly rent is 4,000 yuan, and the balance of the provident fund is 30,000 yuan. According to the original policy, 9000 yuan can be withdrawn at one time after application; According to the phased policy, 12,000 yuan can be withdrawn at one time after application.
The rent paid by the depositor shall conform to the reasonable level of the rental area. If the rent obviously exceeds the reasonable range, the auditor should further verify the authenticity of the renting behavior. For the provision of false materials or the existence of false rental behavior, the extraction business will not be handled.
Workers who rent public rental housing in our city are still drawn according to the actual rent expenditure.
11. If the employee rents a house before the implementation period of the phased policy. Can I apply for the actual rent according to the phased policy?
You can’t. Only when employees actually rent commercial housing in this city during the implementation of the phased policy can they enjoy the preferential policy of rent extraction. If the lease period is all before June 2022, when applying for rent withdrawal, the withdrawal amount will still be calculated according to the lowest monthly deposit and monthly rent.
12. The employee has provided the rental invoice to apply for rental withdrawal before, and the matter has not expired. During the implementation of the phased policy, how can he apply for payment according to the rent amount?
During the implementation of the phased policy, the applicant can apply to the management department to voluntarily terminate the rental withdrawal by calling the management department or going to the counter for the withdrawal of "no self-owned housing (rental invoice)". After the termination of the event, apply again for "no self-owned housing (rental invoice)" to extract the event, and the amount of extraction is determined by the amount of rent actually paid by the employee, which is not limited by the monthly deposit. If the balance is insufficient, it shall be calculated by deducting 10 yuan from the balance.
For example, on April 10th, 2022, Applicant D applied for rent invoice withdrawal, the rent was 5,000 yuan, the monthly deposit was 3,000 yuan, and the withdrawal amount was 9,000 yuan on April 10th.
In July, 2022, Applicant D applied to the management department at the counter to voluntarily terminate the above-mentioned rental withdrawal and then reapplied, so the withdrawal amount in July and October was 15,000 yuan. In January 2023, the withdrawal amount was restored to 9000 yuan.
13. Is it affected by the epidemic situation in COVID-19 to apply for housing provident fund and personal housing loan for deferred employees?
Affected by the epidemic situation in COVID-19, if the deposit unit goes through the holdover formalities, the holdover month when employees apply for housing provident fund personal housing loans will be regarded as normal deposit and included in the deposit period, and continuous calculation will not affect the normal application for housing provident fund personal housing loans.
14. What should I do if the borrower can’t repay normally due to the COVID-19 epidemic?
Affected by the epidemic situation in COVID-19, if the borrower can’t repay the housing provident fund personal housing loan normally, it will not be overdue during the phased support policy period, and will not be charged with penalty interest, and will not be submitted to the credit reporting department as an overdue record.
In order to reduce the borrower’s running and provide convenient service, the provident fund center will adjust the borrower’s repayment record and not handle the overdue due to the new overdue after May 12 due to the epidemic situation.
15. What should I pay attention to before the phased support policy for housing provident fund expires?
A: The Provident Fund Center will adjust its policies according to the epidemic situation in Beijing. Borrowers are requested to pay attention to the official website of Beijing Housing Provident Fund and the WeChat WeChat official account of Beijing Housing Provident Fund for timely information on relevant policies.
Due to the epidemic situation, although the loan during the phased support policy period will not be overdue and no penalty interest will be charged, the borrower still needs to repay the repayment principal and interest during this period, and the monthly repayment obligation will not be terminated.
16. After the housing provident fund phased support policy expires, how can the borrower handle the repayment procedures?
If the borrower fails to repay the loan normally at the termination of the phased support policy, the unpaid part will start to collect default interest after the termination of the policy. Therefore, it is suggested that the borrower reasonably arrange the monthly repayment plan according to his own economic situation to avoid increasing repayment pressure and inability to repay after the phased support policy expires, which will lead to loans overdue.
Therefore, according to the repayment plan, the borrower can handle the business of "adjusting the monthly repayment amount" through the personal online business platform of housing provident fund, Beijing Provident Fund APP, Beijing Tong APP and other channels, and will deduct the agreed repayment amount on the repayment day.