What we need to explain here is that if you are rural residents, then you do not have the qualification to handle housing accumulation fund personally, because our country's law stipulates that there is no housing accumulation fund system in rural areas, which is the current law and has been implemented for many years.
Housing accumulation fund is paid by the unit. In addition, the employees of the unit also need to pay part of the housing accumulation fund. The unit needs to deduct part of the housing accumulation fund paid by the employees every month, and then deposit it into the individual account of housing accumulation fund together with part of the housing accumulation fund paid by the unit to the employees, so that the employees can withdraw it when using it.
The housing accumulation fund freelancers and retirees can't handle it. Here, the freelancers refer to the entrepreneurs and business individuals of the unit every month. This part of the population can't apply for the housing accumulation fund, and the retirees can't handle the housing accumulation fund.
The certain characteristic of housing accumulation fund is long-term and stability, which means that once the housing accumulation fund is established, it must be paid all the time, unless it is retired, or it can be stopped under other circumstances stipulated by law. This is a special feature of housing accumulation fund, which shows its stability and Sustainability.
In addition, the housing accumulation fund can not be directly withdrawn, only in the case of retirement of employees, or in the case of death of employees and other special circumstances. Housing provident fund can only be used to buy and rent houses and decorate houses. In other cases, it is not allowed to use it. We should pay attention to it.
At present, the withdrawal of housing provident fund cannot be carried out in other places. However, during this year's two sessions, China has put forward some methods for the withdrawal of housing provident fund in other places. The specific implementation in the future depends on the specific date of promulgation of relevant national laws and regulations.
At present, various enterprises have begun to attach importance to provident fund. In order to attract talents, large enterprises and some foreign-funded enterprises, as well as private enterprises, have started to set up a reward mechanism of five insurances and one fund, mainly to encourage employees to serve the enterprise and do their best for the enterprise!