深圳市住房公积金管理暂行办法

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深圳市住房公积金暂行管理办法

深圳市住房公积金管理暂行办法发布日期：2010-11-30 00:00:00 查看次数：3234 次第一章总则第一条为加强本市住房公积金管理，维护住房公积金所有者的合法权益，发挥住房公积金制度的住房保障作用，支持职工解决自住住房问题，根据国务院《住房公积金管理条例》，结合本市实际，制定本办法。

第二条本办法适用于本市行政区域内住房公积金的缴存、提取、使用、管理和监督。

第三条住房公积金由国家机关、事业单位、企业、民办非企业单位、社会团体（以下统称单位）及其户籍和非户籍在职职工缴存。

本办法所称住房公积金，是指支持职工解决自住住房问题的具有保障性、互助性和强制性的长期住房储金。

本办法所称自住住房主要包括保障性住房、安居型商品房和普通商品住房。

第四条职工个人缴存的住房公积金和职工所在单位为职工缴存的住房公积金，属于职工个人所有。

第五条住房公积金的管理实行住房公积金管理委员会（以下简称公积金管委会）决策、住房公积金管理中心(以下简称公积金中心)运作、银行专户存储、财政监督的原则。

第六条住房保障、财政、人民银行、规划和国土资源、公安、人力资源和社会保障、民政、市场监管、税务、统计、国资、总工会等部门和组织以及各区人民政府应当按照各自职责支持公积金中心开展住房公积金缴存扩面工作，并通过建立信息共享机制支持公积金中心开展住房公积金缴存、提取和贷款等业务审核工作。

第二章机构及其职责第七条公积金管委会是本市住房公积金管理的决策机构。

公积金管委会的成员中，市人民政府负责人和住房保障、财政、人民银行等有关部门负责人以及有关专家占1/3，工会代表和职工代表占1/3，单位代表占1/3。

公积金管委会委员按规定程序推荐后由市政府聘任。

第八条公积金管委会应当建立严格、规范的会议制度，明确决策规则、程序、权限和责任，建立决策结果备案备查制度。

公积金管委会下设办公室，办公室设在市住房保障部门，负责公积金管委会的会议筹办、决策事项督办等工作。

深圳市住房公积金提取管理规定全文及解读

深圳市住房公积金提取管理规定全文及解读《深圳市住房公积金提取管理规定》是根据《住房公积金管理条例》(国务院令第350号)和《深圳市住房公积金管理暂行办法》(深府〔2010〕176号，以下简称《暂行办法》)等有关规定制定的，本规定适用于深圳市行政区域内住房公积金的提取管理。

《深圳市住房公积金提取管理规定》全文如下：深圳市住房公积金提取管理规定第一章总则第一条为了加强住房公积金提取管理，规范住房公积金提取使用行为，实现住房公积金制度可持续发展，根据《住房公积金管理条例》(国务院令第350号)和《深圳市住房公积金管理暂行办法》(深府〔2010〕176号，以下简称《暂行办法》)等有关规定，结合本市实际，制定本规定。

第二条本规定适用于深圳市行政区域内住房公积金的提取管理。

第三条深圳市住房公积金管理中心(以下简称公积金中心)负责本市住房公积金提取管理。

第四条住房公积金缴存职工(以下简称职工)可以按照本规定中的住房消费情形和其他情形申请提取住房公积金。

职工每年度均可以按照本规定提取一定额度的住房公积金用于住房消费。

第二章住房消费情形和提取额度第五条职工及其家庭成员发生下列住房消费情形之一的，职工可以按照规定申请提取住房公积金：(一)购买住房(含商品住房、政策性住房或者保障性住房，下同);(二)支付房租;(三)偿还购买本市范围内住房的贷款本息;(四)建造、翻建、大修本市范围内的住房;(五)其他住房消费。

第六条在同一时间段内，职工仅能选择一项住房消费情形提出申请，并不得重复申请;在同一项情形中存在多套住房消费情况的，每次申请提取时，职工仅能选择其中一套住房申请提取;提取住房公积金用于购买住房的，每套住房仅能申请提取一次。

前款规定中的同一时间段是指职工上次办理提取业务至本次申请办理提取业务之间的时段;未办理过提取业务的，同一时间段是指职工本次申请办理提取业务之前的所有可提取月份。

发生本规定第五条第(一)项、第(四)项规定中的住房消费情形的,该住房消费情形发生时间与职工申请提取时间应当相隔在两年以内。

深圳市住房公积金提取管理规定xx全文

深圳市住房公积金提取管理规定xx全文第一条为了加强住房公积金提取管理，标准住房公积金提取使用行为，实现住房公积金制度可持续开展，根据《住房公积金管理条例》(国务院令第350号)和《深圳市住房公积金管理暂行方法》(深府〔xx〕176号，以下简称《暂行方法》)等有关规定，结合本市实际，制定本规定。

第二条本规定适用于深圳市行政区域内住房公积金的提取管理。

第三条深圳市住房公积金管理中心(以下简称公积金中心)负责本市住房公积金提取管理。

第四条住房公积金缴存职工(以下简称职工)可以按照本规定中的住房消费情形和其他情形申请提取住房公积金。

职工每年度均可以按照本规定提取一定额度的住房公积金用于住房消费。

第五条职工及其家庭成员发生以下住房消费情形之一的，职工可以按照规定申请提取住房公积金：(一)购置住房(含商品住房、政策性住房或者保障性住房，下同);(二)支付房租;(三)归还购置本市范围内住房的贷款本息;(四)建造、翻建、大修本市范围内的住房;(五)其他住房消费。

第六条在同一时间段内，职工仅能选择一项住房消费情形提出申请，并不得重复申请;在同一项情形中存在多套住房消费情况的，每次申请提取时，职工仅能选择其中一套住房申请提取;提取住房公积金用于购置住房的，每套住房仅能申请提取一次。

发生本规定第五条第(一)项、第(四)项规定中的住房消费情形的,该住房消费情形发生时间与职工申请提取时间应当相隔在两年以内。

住房消费情形发生时间以相关收据、发票和税票等凭证(以下简称凭证)开具时间计算。

职工提取住房公积金用于本规定第五条第(二)项、第(三)项、第(五)项规定中的住房消费情形的，该住房消费情形应当发生在职工按照《暂行方法》缴存住房公积金之后。

第七条提取住房公积金用于购置住房的，职工本人及其家庭成员合计仅有一套住房时，可提取额不超过账户余额，且不超过购房总价款;职工本人及其家庭成员合计有两套及以上住房的，可提取额不超过账户余额的百分之六十，且不超过购房总价款;xx年9月30日起，职工本人及其家庭成员购置第三套及以上住房的(包括异地)，第三套及以上住房不予提取。

深圳市人民政府关于印发深圳市住房公积金管理暂行办法的通知-深府[2010]176号

深圳市人民政府关于印发深圳市住房公积金管理暂行办法的通知正文：---------------------------------------------------------------------------------------------------------------------------------------------------- 深圳市人民政府关于印发深圳市住房公积金管理暂行办法的通知（深府〔2010〕176号）各区人民政府，市政府直属各单位：《深圳市住房公积金管理暂行办法》已经市政府同意。

现予印发，请遵照执行。

深圳市人民政府二○一○年十一月二十四日深圳市住房公积金管理暂行办法第一章总则第一条为加强本市住房公积金管理，维护住房公积金所有者的合法权益，发挥住房公积金制度的住房保障作用，支持职工解决自住住房问题，根据国务院《住房公积金管理条例》，结合本市实际，制定本办法。

第二条本办法适用于本市行政区域内住房公积金的缴存、提取、使用、管理和监督。

第三条住房公积金由国家机关、事业单位、企业、民办非企业单位、社会团体（以下统称单位）及其户籍和非户籍在职职工缴存。

本办法所称住房公积金，是指支持职工解决自住住房问题的具有保障性、互助性和强制性的长期住房储金。

本办法所称自住住房主要包括保障性住房、安居型商品房和普通商品住房。

第四条职工个人缴存的住房公积金和职工所在单位为职工缴存的住房公积金，属于职工个人所有。

第五条住房公积金的管理实行住房公积金管理委员会（以下简称公积金管委会）决策、住房公积金管理中心（以下简称公积金中心）运作、银行专户存储、财政监督的原则。

《深圳市住房公积金管理暂行办法》-English

Interim Measures of Shenzhen City for Management of theHousing Provident FundPart I GeneralsArticle 1According to Regulations on Management of the Housing Provident Fund issued by the State Council and with reference to the real situations in Shenzhen City, these measuresare formulated to legalize the management of the housing provident fund of ShenzhenCity, protect the legitimate interests of the holders of the housing provident fund, allowthe housing provident fund to play its role in housing security, support the employees tobuy houses on their own..Article 2These Measures are applicable to the contribution, withdrawal, use, management and supervision of housing provident fund within the territory of Shenzhen City.Article 3The housing provident fund shall be contributed by governmental organizations and institutions, enterprises, non-profit private establishments, non-governmentalorganizations (hereinafter referred to as units) and their in-service employees with orwithout household registration in Shenzhen City.The housing provident fund in these Measures refers to the long-term pool to supportthe employees to purchase houses for inhabitation by themselves and it is purposed forhouse availability, mutual aid and obligatory.The houses for inhabitation by employees themselves in these regulations includeaffordable houses, reasonable houses and average commercial houses.Article 4The housing provident fund contributed by an employee itself as well as that contributed by units to which the employee serves is owned by the employee itself. Article 5The principle that the housing committee makes decisions, the managing center of housing provident fund operates, the bank deposits in special account and the financesupervises shall be excised in the management of housing provident fund.Article 6The governmental departments for housing security, finance, people’s bank, planning and land resources, public security, human resources and social insurance, civil affairs,market supervisions, tax collection, statistics, state-owned assets, trade union andpeople’s government of each district shall perform the functions of their own tosupport the expansion of the contribution to the housing pool and an informationsharing mechanism shall be established to facilitate the examination of the contributionto and withdrawal, loan from the housing pool.Part II Organs and ResponsibilitiesArticle 7The Management Committee of Housing Provident Fund, one third of whose members shall be responsible persons from the government, financial department, people banketc and relative experts, one third shall be representatives from the trade union and theemployees and one third shall be from the units, forms decision maker to manage thehousing provident fund of Shenzhen City.The committee member shall be appointed by the government after recommendationaccording to the required procedures.Article 8 A strict, standardized meeting system shall be applied to the Management Committee of Housing Provident Fund, rules, procedures, purviews and responsibilities for decisionmaking shall be defined and systems for keeping records of the decisions for reviewshall be established.Office responsible for organizations of meetings and supervisions of decisionimplementations under the leadership of the Management Committee of HousingProvident Fund shall be established in the Municipal Housing Department.Article 9The Management Committee of Housing Provident Fund shall perform the following functions and responsibilities in the management of housing provident fund:(1)To work out and adjust the specific measures for the management of housingprovident fund and supervise the implementation thereof in according to therelevant laws, regulations and policies;(2)To set the specific rate for contribution to the housing provident fund;(3)To examine and approve the plan for collecting and using the housing providentfund and the report about the plan implementations;(4)To examine and approve the annual budgets and final accounts for the financialrevenue and expenditure of the housing fund;(5)To examine and approve the plan for distribution of the profit from value-addingoperations;(6)To examine and approve the application submitted by the Management Center ofHousing Provident Fund for writing off the bad and doubtful debts on the accountof housing fund;(7)To examine and discuss the annual bulletin of housing fund the ManagementCenter of Housing Provident Fund intends to make public;(8)Other issues needed to examine and approve.Article 10The Management Center of Housing Provident Fund is a non-profit and independent establishment directly under the leadership of the People’s government of ShenzhenCity and is now mandated by the Municipal Housing Department;As a pioneering statutory body of Shenzhen City, the Management Center of HousingProvident Fund shall operate according to the Provisions on the Operation of theManagement Center of Housing Provident Fund, which is required for a statutory body. Article 11The Management Center of Housing Provident Fund shall implement the decisions made by the Management Committee of Housing Provident Fund and perform thefollowing functions according to the laws:(1)To make and implement the plan for collecting and using housing provident fund;(2)To record the contribution, withdrawal and use of housing provident fund;(3)To assess the housing provident fund;(4)To examine and approve the withdrawal and use of housing provident fund;(5)To prevent the housing provident fund from depreciation by investing it and returnit ;(6)To draft the report on the implementation of the plan for collecting and usinghousing provident fund;(7)To prepare the budget and final account for balance of housing fund in each year;(8)To supervise and inspect the contributions of the units to the housing fund;(9)To lay down a plan for distribution of the additional value on the housing fund;(10)T o decide the upper limit for loan from the housing fund;(11)T o collect the housing provident fund and withdraw from it in accordance with theregulation or authorize a bank to do so;(12)To investigate or punish the illegalities in the contribution to or withdrawal fromor use of the housing fund;(13)To perform other commissions by the People’s Government of Shenzhen City andthe Management Committee of the Housing Provident FundThe budget and final account for balance of housing fund in each year, which is prescribed in paragraph (7) above, and the plan for distribution of the additional value on the housing fund, which is prescribed in paragraph (9) above, shall be audited by the municipal financial department before they are submitted to the Management Committee of Housing Provident Fund for examination by the Management Center of Housing Provident Fund. The upper limit for loan from the housing fund, which is prescribed in paragraph (10) above, shall be decided by the Management Center of Housing Provident Fund on the basis of the housing price, affordability of the employee, the balance of housing provident fund in Shenzhen City before it is submitted to the Management Committee of Housing Provident Fund for approval, publicity and implementation. Article 12The Management Center of Housing Provident Fund may set up subdivisions for operation as few as possible in conformity with the operational need and the situationof Shenzhen City;Article 13 A Computerized System for Management of the Housing Provident Fund shall be established in the Management Center of Housing Provident Fund and such IT meansas online service platform shall be applied to improve the efficiency in handling thebusiness of housing provident fund.For the operation of the Management Center of Housing Provident Fund Clear, specificand effective system to make the operation regularized, scientific, computerized shall beestablished so that the operational risk management can be reinforced and the fundsecurities can be ensured.The Management Center of Housing Provident Fund shall improveThe Management Center of Housing Provident Fund shall keep an eye on the quality ofthe housing provident fund service, innovate new service mode and establish regularsystem and standard mechanism for handling housing provident fund serviceArticle 14The Management Committee of the Housing Provident Fund may answer the call of real need by committing a bank to collect and withdraw the housing provident fund; tothis end, a contract shall be made and entered into between the Committee and theauthorized bank to make clear the accountability and responsibilities of the bank incollection to and withdrawal from the housing provident fund.The trustee bank shall be supervised, inspected and examined by the ManagementCenter of Housing Provident Fund. The Management Center of Housing Provident Fundshall disengage the trustee bank which embezzles the housing provident fund or is foundunacceptable after examination from the contract and after the disengagement, thetrustee bank shall turn over the housing provident fund and relative data within therequired period.Part III Contribution to the Housing FundArticle 15 A newly-established unit shall be registered at the managing center of housing provident fund for contribution to the housing fund within 30 days after itsestablishment and those which were established before the enactment of these Measuresshall be registered at the managing center of housing provident fund for contribution tothe housing fund within the required period.Within 20 days after registration in the Management Center of Housing Provident Fund,a unit shall arrive at the trustee bank to open the account for housing provident fund forthe employees of itself and each employee is allowed only one account for the housingprovident fund.Article 16The basis for calculation of the contribution shall be the previous year’s average monthly salary of the employee.New employees should pay their housing provident fund contributions from the secondmonth after commencement of employments and the basis for calculation of thecontribution shall be his/her first month’s salary/wage.Employee who is transferred in shall pay his housing provident fund contributionfrom the date on which he receives his salary; the basis for calculation of housingprovident fund should be his first month’s salary.Article 17The basis for calculation of contribution, however, should not be less than previous year’s lowest standard salary as announced by the labor department and should notbe more than 5 times of previous year!ˉaverage monthly salary as announced bythe statistic department;The compositions of the salary/wage shall be determined by referring to the relativeregulations.Article 18The rate for calculation of the enterprise’ contribution for its employees and the rate for calculation of the employee’s contribution for himself/herself shall range between 5%and 20% of the basis for calculation.The rate for calculation of enterprise’s contribution for its employees and the rate of thecontribution of the employee for himself/herself shall be determined by the unit and anenterprise could only adopt a single rate in a year.Article 19The amount of the housing provident fund contributed by an employee for himself/herself shall be the product of the basis for calculation of contributionmultiplied by the rate of contribution.The amount of the housing provident fund contributed by an enterprise for one of itsemployee shall be the product of the basis for calculation of contribution multiplied bythe rate of contribution.The former amount shall be equal to the latter one.Article 20The unit may modify the rate for calculation of the contribution once a year.The unit can also revise the basis for calculation of the contribution once a yearaccording to the regulations prescribed by the Management Center of HousingProvident Fund and variation of the employees’ salary/wage.The enterprise is responsible for withholding and payment of employees’ contributionand the enterprise should pay its contribution and those of its employees monthly andtimely in full amount.Article 21The units shall assign special personnel to the contribution the housing provident fund.The units shall expressly state in their labor contracts with employees that the units havethe obligation to contribute to the housing provident fund for the employees.Article 22In case that the employees of a unit are paid the minimum wage required by Shenzhen City, the unit shall contribute to the housing provident fund for its employees accordingto these Measures and the employees are allowed to be freed from contributions forthemselves.In the event that a unit has difficulty contributing to the housing provident fund owingto its deficits for continuous two years, by the consent of the employees’ congress or thetrade union of the unit, the unit is allowed lower rate for calculation of its contributionor delay its contribution to the housing provident fund.The Management Center of the Housing Provident Fund shall approve the applicationssubmitted by the units in conformity with the two above-mentioned cases. However, thecontribution rates shall not be kept lower over two years before they are restored tonormal rates and the contribution shall not be delayed for over two years before theyare regained. In case that a unit is still incapable to resume contribution after theexpiration, the unit has to apply for approval again according to the requirementmentioned above.Article 23The withholdings from the salary/wages by a bankrupt, terminated or dissolvent unit for contribution to the housing provident fund, which have not been contributed, shall beregarded as the salary /wages owed to the employees and returned to the employees.In case that a unit becomes merged, separated, terminated, dissolvent or bankrupt,before it alters or terminate its registration in the Management Center of HousingProvident Fund, the unit shall pay the arrear with the contribution to the housingprovident fund or declare to the Management Center of the Housing Provident Fundwhich unit will take over the contribution.Article 24The Management Center of the Provident Fund shall provide the employees with valid document to prove their contribution to the housing provident fund, which shall be keptby the employees themselves, for them to retrieve, withdraw or loan from theircontribution accumulations.Article 25The contributions of the units for their employees to the housing provident fund shall come from the following sources:(1)The budgets for the governmental organizations;(2)The budget or expense for non-profit state-owned establishments after their incomeand expenditure have been audited by the financial departments;(3)The product cost for the enterprises.Article 26The contributions to the housing provident fund shall be paid interests according to the interest rate determined by the state for the housing provident fund from the date thecontributions are deposited into the account for contributions to the housing providentfund.The contribution of an employee to the housing provident fund can be deducted fromthe personal income tax payable by the employee itself according to the stateregulations.Article 27The interest for the housing provident fund shall be settled on the date of June 30th each year.The basis for calculation of the contribution to the housing provident fund andcontribution rate shall be kept unchanged from July the 1st each year to June 30th thefollowing year.Part IV Withdrawal or UseArticle 28An employee may withdraw the balance in its contribution to the housing provident fund for the following reasons:(1)He/she will buy, build, overhaul or repair the house possessed or used by theemployee itself;(2)He/she will repay the loan and its interest for buying a house;(3)He/she will pay the rent in agreement with the percentage prescribed in ShenzhenCity for the house in which the employee lives;(4)He/she has retired;(5)He has been fully incapable to work and terminated labor relation with its formerunit;(6)His/her household registration has been moved out of Shenzhen City;(7)He/she hasn’t registered his /her household in Shenzhen City and applied fortransference of his/her basic pension insurance and basic medical insurance out ofShenzhen City;(8)She, who is 45 years old, and he, who is 50 years old, is unemployed and theiraccounts for contribution to the housing provident fund has be closed for over 2years;(9)He/she is the citizen of other than China，Hong Kong, Macau, Taiwan;(10)Other circumstances determined by the Management Center of the HousingProvident Fund.The houses built, overhauled or repaired possessed and used by an employee, which are mentioned in paragraph (1), and the houses used by an employee, which are mentioned in paragraphs (2) and (3) , shall be located within the territory of Shenzhen City;Article 29Although a couple may respectively withdraw the balance in each contribution to the housing provident fund according to Paragraph (1), (2) (3) of Article 28 of theseMeasures, the total of their withdrawals may not exceed the limit set up by theManagement Center of the Housing Provident Fund.In the event that an employee has been dead or declared dead, the heirs or the legateesof the employee may withdraw the balance in the employee’s contribution to thehousing provident fund; in case that the employee has no heirs or legatees or otherrelated right holders, the balance in the employee’s contribution to the housingprovident fund shall be transferred to a special account and taken care of by themanagement center of the housing provident center.Article 30The employees who contribute to the housing provident fund may apply for loan fromthe housing provident fund to buy, build, overhaul or repair the houses possessed andused by their own.Purchase of the affordable house, the comfortable commercial house and the firstaverage commercial house by an employee shall be given top priority when loan fromthe housing provident fund is granted.Article 31An employee shall satisfy the following requirements to apply for a loan from the housing provident fund:(1)He/she has contributed to the housing provident fund continuously, timely andsufficiently and the contribution has continued for a required period before themonth he/she applies for the loan;(2)The percentage of his/her down payment for the house is not lower than required;(3)Loan guarantee has been provided as required;(4)He/she has stable income source and good ability to repay the loan with goodcredit;(5)Both he/she and his wife/her husband has never loaned from the housing providentfund or has repaid all his loan from the housing provident fund;(6)Other qualifications determined by the Management Committee of the HousingProvident Fund.The period mentioned in Paragraph (1), Article 31 and the percentage prescribed inParagraph (2)，Article 31 shall be decided by the Management Center of theHousing Provident Fund for publicity and implementation after approval by theManagement Committee of the Housing Provident Fund.Article 32An employee and his/her spouse , who have contributed to the housing provident fund or over one year and have never used any loan from the housing provident fund, whenclosing its account, can be paid some interest in accordance with the rate decided by theManagement Center of the Housing Provident Fund and approved by the ManagementCommittee of the Housing Provident Fund ,Article 33In addition to the parts of the proceeds from the housing provident fund which are set aside for risk reserve and the operation of the Management Center of the ProvidentFund, the rest may be used for construction of such affordable houses as public rentalhouses etc.The affordable houses such as the public rental houses constructed by using theproceeds from the housing provident fund shall be rented to or sold to the employeeswho are qualified and contribute to the housing provident fund as required, and therelative proceeds shall be included in the special account for the proceeds from thehousing provident fund. Specific measures concerning these operations shall be draftedby the Management Center of the Housing Provident Fund for implementation afterapproval by the Management Committee of the Housing Provident Fund.Article 34The Management Center of the Housing Provident Fund shall set aside sufficient allowance to cover the withdrawal and loan from the housing provident fund by theemployee, which shall be given the top priority, then by the consent of the ManagementCommittee of the Housing Provident Fund, allocate some of the remained housingprovident fund to the loan which is aimed at construction of the affordable houses theinvestor of which is the government, and include the proceeds from the loan in thespecial account for proceeds from the housing provident fund.Article 35Annually, the Management Center of the Housing Provident Fund shall prepare the budget for the operation of the Management Center of the Housing Provident Fund inthe year, which shall first be submitted to the Financial Department of Shenzhen Cityfor audit then to the Management Committee of the Housing Provident Fund forexamination. The Management Center of the Housing Provident Fund shall operate onthe budget examined by the Management Committee of the Housing Provident FundPart V Supervision and InspectionArticle 36The financial department of the people's government of Shenzhen City shall strengthen the supervision on the collection, withdrawal and use of housing provident fund.When making the plan for collecting and using the housing provident fund, theManagement Center of the Housing Provident Fund shall solicit the opinion of thefinancial department.The financial department must participate in the examination and approval of the reporton the plan for collecting and using housing provident fund and the implementation ofthe plan by the housing committee.Article 37The Management Center of the Housing Provident Fund and the revenue and expenditure concerning the housing provident fund shall be subjected to the supervisionby the audit department through auditing..The people’s bank shall be responsible for the implementation of interest rate for thecontribution to and loan from the housing provident fund.Article 38The Management Center of the Housing Provident Fund shall submit the annual bulletin to the financial department and the housing committee and publicize it.The annual bulletin shall include the facts about the collection and the management ofthe housing provident fund in the previous year.Article 39The employees are entitled to supervise and urge a unit to fulfill the following duties in time:(1)the payment and deposit registration of housing provident fund or the registrationof its alteration or termination;(2)the opening, transferring and sealing up of the housing provident fund account;(3)paying and depositing housing provident fund timely, monthly and sufficiently.The employees may supervise the contributions of their units to the housing providentfund.Annually, the units shall report their contributions to the housing provident fund to theEmployees Representative Congress or the Employees Congress and allow the tradeunions or employees to supervise.Article 40Employees as well as units are entitled to make inquiries about the contributions and withdrawal of their own housing provident fund, the Management Center of theHousing Provident Fund and the commissioned bank shall not refuse the inquiries.Where a worker or staff or a unit has any objections to the remaining money in thehousing provident fund account, he or it may apply to the commissioned bank torecheck; where having objections to the recheck result, he or it may apply to themanaging center of housing provident fund to recheck again. The managing center ofhousing provident fund and the commissioned bank shall give a written reply within 5days of the receipt of the application.Employees are entitled to disclose, impeach and indict the illegal conducts in thecontributions to, withdrawal from and use of the housing provident fund.Article 41The Management Center of the Housing Provident Fund shall inspect the contributions by the units to the housing provident fund and urge them to contribute to the housingprovident fund as required in the law.The units shall honestly provide the Management Center of the Housing ProvidentFund with such information concerning the contributions to the housing provident fundas the number of their employees, salaries and financial reports and the ManagementCenter of the Housing Provident Fund shall keep these information confidential. Article 42 The Management Center of the Housing Provident Fund shall accept and hear the complaints and reports in relation to the delay, underpayment or failure in thecontributions to the housing provident fund and investigate and punish these behaviorslawfully.Article 43 The Management Center of the Housing Provident Fund shall subject the units which fail to register or open accounts for contribution to the housing provident fund to thepenalty prescribed Article 37 in the Regulations on the Management of HousingProvident FundThe Management Center of the Housing Provident Fund shall subject the units whichdelay or underpay the contribution to the housing provident fund to the penaltyprescribed Article 38 in the Regulations on the Management of Housing ProvidentFundArticle 44The Management Center of the Housing Provident Fund shall enter the behaviors made by the units or employees who violate these measures herein, which shall be verified tobe true, into the documents or system for supervision of the housing provident fund,and give these units or employees the top supervision priority. The behaviors made bythe units or employees who violate these measures herein can be entered into theReporting System of the Credits of the Enterprises and Persons in Shenzhen City. Article 45Personnel of State organs who abuse their powers, neglect their duties, or commit illegalities for personal gain or by fraudulent means in supervising and managinghousing provident fund shall be investigated for criminal liability in accordance withlaw where a crime is constituted; where no crime is constituted, administrativesanctions shall be imposed in accordance with law.Part VI AdditionsArticle 46The durations of the contributions by the employees and other factors shall be taken into consideration in configuration of the affordable house resources.Article 47The units and employees who have contributed to the housing provident fund according to the Notice on the Interim Regulations on the Social Insurance of Shenzhen City (No.1992-128 of Shenzhen Government) shall contribute to, withdraw from and use theircontributions to the housing provident fund in accordance with these measures hereinafter these measures are put into effect.Article 48The units under the control of the central government and established by the governments of provinces and cities in Shenzhen shall register for, contribute to,。

《深圳市住房公积金缴存管理暂行规定(试行)》

深圳市住房公积金缴存管理暂行规定（试行）第一章总则第一条为加强住房公积金缴存管理，维护住房公积金缴存职工的合法权益，根据《住房公积金管理条例》和《深圳市住房公积金管理暂行办法》等有关规定，结合本市实际，制定本暂行规定。

第二条本暂行规定适用于深圳市行政区域内住房公积金的缴存管理。

第三条单位及其在职职工（以下简称职工）应按本暂行规定缴存住房公积金。

单位及其职工住房公积金的缴存比例由单位在《深圳市住房公积金管理暂行办法》规定的区间选定，缴存比例取1％的整数倍。

单位的分支机构具有独立的组织机构代码的，可以将其分支机构视为独立的住房公积金缴存单位。

第四条深圳市住房公积金管理中心（以下简称公积金中心）负责本市行政区域内住房公积金的缴存管理。

第五条单位和职工应当按照本暂行规定向公积金中心规定的住房公积金业务网点申请办理住房公积金缴存业务。

单位和职工按照本暂行规定办理住房公积金缴存业务所提交的相关证明文件或者材料，应当提交原件和复印件。

单位和职工按照本暂行规定办理住房公积金缴存业务所提交的相关业务表格、协议文本，可以在住房公积金业务网点领取或者在公积金中心网站下载。

第六条缴存单位、职工申请办理住房公积金缴存业务的，住房公积金业务网点应当自受理申请之日起3日内办理完毕，本暂行规定另有规定的除外。

第二章专办员第七条单位应当指定1名或者数名工作责任心强、具备一定计算机操作能力的单位职工为住房公积金专办员（以下简称专办员），负责本单位及职工住房公积金业务的办理。

公积金中心应当对专办员组织业务培训，并不得收取业务培训费用。

第八条专办员承办以下事项：（一）负责按规定为本单位及职工办理住房公积金缴存等有关业务；（二）整理、保管本单位住房公积金相关文件资料，履行相关法律、法规规定的信息保密义务；（三）审查本单位办理住房公积金业务提交的有关资料；（四）协助公积金中心对本单位职工进行住房公积金缴存、提取和贷款等业务知识的宣传和指导；（五）承办单位或者公积金中心规定的其他住房公积金事项。

深圳住房公积金管理条例

深圳住房公积金管理条例深圳住房公积金管理有哪些内容?那么，下面就随一起来看看吧，如有变动，以官网为准。

第一条为了加强对住房公积金的管理，维护住房公积金所有者的合法权益，促进城镇住房建立，提高城镇居民的居住水平，制定本条例。

第二条本条例适用于中华人民共和国境内住房公积金的缴存、提取、使用、管理和监视。

本条例所称住房公积金，是指国家机关、国有企业、城镇集体企业、外商投资企业、城镇私营企业及其他城镇企业、事业单位、民办非企业单位、社会团体(以下统称单位)及其在职职工缴存的长期住房储金。

第三条职工个人缴存的住房公积金和职工所在单位为职工缴存的住房公积金，属于职工个人所有。

第四条住房公积金的管理实行住房公积金管理委员会决策、住房公积金管理中心运作、银行专户存储、财政监视的原那么。

第五条住房公积金应当用于职工购置、建造、翻建、大修自住住房，任何单位和个人不得挪作他用。

第六条住房公积金的存、贷利率由民银行提出，经征求国务院建立行政主管部门的后，报国务院批准。

第七条国务院建立行政主管部门会同国务院财政部门、民银行拟定住房公积金政策，并监视执行。

省、自治区人民政府建立行政主管部门会同同级财政部门以及民银行分支机构，负责本行政区域内住房公积金管理法规、政策执行情况的监视。

第八条直辖市和省、自治区人民政府所在地的市以及其他设区的市(地、州、盟)，应当设立住房公积金管理委员会，作为住房公积金管理的决策机构。

住房公积金管理委员会的成员中，人民政府负责人和建立、财政、人民银行等有关部门负责人以及有关专家占1/3，工会代表和职工代表占1/3，单位代表占1/3。

住房公积金管理委员会主任应当由具有社会公信力的人士担任。

第九条住房公积金管理委员会在住房公积金管理方面履行以下职责:(一)依据有关法律、法规和政策，制定和调整住房公积金的具体管理措施，并监视实施;(二)根据本条例第十八条的，拟订住房公积金的具体缴存比例;(三)确定住房公积金的最高贷款额度;(四)审批住房公积金归集、使用方案;(五)审议住房公积金增值收益分配方案;(六)审批住房公积金归集、使用方案执行情况的。

《深圳市住房公积金管理暂行办法》

本月20日起可開始繳存《深圳市住房公積金管理暫行辦法》昨日（11月30日）正式出臺(以下簡稱《暫行辦法》)，歷經１８年住房公積金的空白，深圳住房公積金制度改革即將拉開序幕。

本月２０日開始，深圳全市戶籍和非戶籍在職職工及其所在單位可通過三家歸集專戶銀行繳存住房公積金。

為了更好地解讀深圳住房公積金，記者日前就外界最為關注“繳存比例”、“貸款額度”等老百姓關心的內容採訪了市住房公積金中心負責人和有關專家。

只有戶籍和非戶籍在職職工方能繳存《暫行辦法》指出，“住房公積金由國家機關、事業單位、企業、民辦非企業單位、社會團體（以下統稱單位）及其戶籍和非戶籍在職職工繳存。

”對於繳存主體，公積金中心有關負責人表示，民辦非企業單位主要指幼稚園、醫院等，但個體工商戶、待業者、已退休人員、退休返聘人員和自由職業者並不在列。

異地公司可為其派駐在深圳的人員按規定繳存公積金。

根據《暫行辦法》，職工個人繳存的住房公積金由單位每月從其工資中代扣代繳。

單位應當按時、逐月、足額繳存單位為職工繳納和職工個人繳納的住房公積金。

單位應當指定專辦員負責辦理住房公積金繳存業務。

提要：本月20日開始，深圳全市戶籍和非戶籍在職職工及其所在單位可通過三家歸集專戶銀行繳存住房公積金。

《暫行辦法》規定，單位為職工繳納和職工個人繳納的住房公積金的繳存比例均不得低於職工月平均工資的5%，也不得高於月平均工資的20%。

繳存基數包括６項工資收入按照《暫行辦法》，“住房公積金繳存基數是職工本人上一年度月平均工資，並且不得低於市人力資源和社會保障部門公佈的上一年度職工月最低工資標準，不得超過市統計部門公佈的上一年度全市在崗職工月平均工資的５倍。

職工工資的構成，按照有關規定確定。

”對於工資的界定，公積金中心有關負責人表示，其中包括計時工資、計件工資、獎金、津貼和補貼、加班工資和在特殊情況下發放的工資。

對於新參加工作的職工，《暫行辦法》規定從參加工作的第二個月開始繳存住房公積金，住房公積金繳存基數為職工本人當月工資。

深圳市住房公积金管理委员会关于印发《深圳市灵活就业人员缴存使用住房公积金管理暂行规定》的通知

深圳市住房公积金管理委员会关于印发《深圳市灵活就业人员缴存使用住房公积金管理暂行规定》的通知文章属性•【制定机关】深圳市住房公积金管理委员会•【公布日期】2021.07.06•【字号】深公积金规〔2021〕2号•【施行日期】2021.07.20•【效力等级】地方规范性文件•【时效性】现行有效•【主题分类】公积金监管正文深圳市住房公积金管理委员会关于印发《深圳市灵活就业人员缴存使用住房公积金管理暂行规定》的通知各有关单位：《深圳市灵活就业人员缴存使用住房公积金管理暂行规定》已经市住房公积金管理委员会审议通过，现予以印发，请遵照执行。

特此通知。

深圳市住房公积金管理委员会2021年7月6日深圳市灵活就业人员缴存使用住房公积金管理暂行规定目录第一章总则第二章缴存第三章提取和贷款第四章利息补贴及其他第五章附则第一章总则第一条为扩大住房公积金制度覆盖面，支持灵活就业人员解决住房问题，根据国务院《住房公积金管理条例》《深圳市住房公积金管理暂行办法》（以下简称《暂行办法》）等规定，按照住房和城乡建设部试点工作的相关要求，结合本市实际，制定本规定。

第二条本规定适用于本市行政区域内灵活就业人员缴存、使用住房公积金的监督管理。

第三条在本市就业的个体经营者、自由职业者以及其他灵活就业人员（以下统称为灵活就业人员）可以申请自愿缴存住房公积金。

第四条深圳市住房公积金管理委员会（以下简称公积金管委会）负责灵活就业人员缴存、使用住房公积金政策及相关重大事项的决策。

深圳市住房公积金管理中心（以下简称公积金中心）负责灵活就业人员缴存、使用住房公积金业务的日常管理。

第五条灵活就业人员缴存住房公积金的，应当与公积金中心签订自愿缴存协议，约定住房公积金缴存基数、缴存比例、缴存使用方式、双方的权利义务及违约责任等内容。

第二章缴存第六条灵活就业人员缴存住房公积金应当设立个人住房公积金账户。

第七条灵活就业人员应当按照自愿缴存协议按月、足额缴存住房公积金。

深圳市住房公积金管理暂行办法全文

深圳市住房公积金管理暂行办法全文深圳市住房公积金管理暂行办法2014全文《深圳市住房公积金提取管理暂行规定本规定》自2013年9月1日起施行，有效期一年。

(规定施行时间：2013年9月1日至2014年8月31日)第一章总则第一条为了加强住房公积金提取管理，规范住房公积金提取使用行为，实现住房公积金制度可持续发展，根据《住房公积金管理条例》(国务院令第350号)和《深圳市住房公积金管理暂行办法》(以下简称《暂行办法》)等有关规定，结合本市实际，制定本规定。

第二条本规定适用于深圳市行政区域内住房公积金的提取管理。

第三条深圳市住房公积金管理中心(以下简称公积金中心)负责本市住房公积金提取管理。

第四条住房公积金缴存职工(以下简称职工)可以按照本规定中的住房消费情形和其他情形申请提取住房公积金。

第二章住房消费情形和提取额度第五条职工及其家庭成员发生下列住房消费情形之一的，职工可以按照规定申请提取住房公积金账户内的存储余额：(一)购买具有所有权的住房;(二)支付本市范围内住房租金;(三)偿还本市范围内具有所有权的住房的贷款本息;(四)建造、翻建、大修本市范围内具有所有权的住房;(五)其他住房消费。

第六条在同一时间段内，职工仅能选择一项住房消费情形提出申请，并不得重复申请;在同一项情形中存在多套住房消费情况的，每次申请提取时，职工仅能选择其中一套住房申请提取;购买具有所有权的住房，每套住房仅能申请提取一次。

发生本规定第五条第(一)、(四)项规定中的住房消费情形的,该住房消费情形发生时间与职工申请提取时间应当相隔在两年以内。

住房消费情形发生时间以相关收据、发票和税票等凭证(以下简称凭证)开具时间计算。

职工提取住房公积金账户内的存储余额用于本规定第五条第(二)、(三)、(五)项规定中的住房消费情形的，该住房消费情形应当发生在职工按照《暂行办法》缴存住房公积金之后。

第七条购买具有所有权的住房的，职工本人及其家庭成员合计仅有一套住房时，可提取额不超过申请时账户内的存储余额，且不超过购房总价款;职工本人及其家庭成员合计有两套及以上住房的，可提取额不超过申请时账户内存储余额的60%，且不超过购房总价款;2010年9月30日起，职工本人及其家庭成员购买第三套及以上住房的(包括异地)，第三套及以上住房不予提取。

深圳新住房公积金提取规定9月1日起实施

深圳新住房公积金提取规定9月1日起实施8月7日，深圳住房公积金管理中心公布了《深圳市住房公积金提取管理暂行规定》，新规定的有效期为两年，将于9月1日起分步实施。

新规定充分考虑到部分缴存职工的提取需求，社保存量住房公积金将继续适用原先的提取政策，老钱老办法。

在租房公积金提取方面，新规定取消了以前1000元的额度限制，提取时不再要求提供租赁合同的要求，仅要求职工及其家庭成员应当在本市范围内无具有所有权的住房并诚信申报。

同时，新规定中购房公积金的提取条件也进一步放宽，此前征求意见时的提取办法曾规定，凡是职工及其家庭成员名下有3套房的不能提取，而在公布的规定中，2010年9月30日之前已有3套及以上住房的，若是票据等凭证时间符合要求，可以提取60%，该项规定仅对2010年9月30日后购买的第三套及以上住房(包括异地买房)要求不能提取。

在使用住房公积金还房贷方面，新规定有两个新变化：一是2010年9月30日之前已有三套及以上住房的(包括异地)，还是可以提取60%进行还贷，但不得以2010年9月30日后购买的第三套房提取；二是首套房按月实际还贷额提取。

而在3月份的征求意见稿中，凡是职工及其家庭成员名下有三套房的，是不能提取的，且首套房按月应缴额提取且不得超过实际还贷额。

另外，在公积金留存额方面，新规定将留存额由3个月降为1个月。

同时，新规定还增加了其他住房消费这一提取情形。

将住房物业服务费、装修费、日常收取的物业专项维修资金、旧住宅区加装电梯费以及其他不符合购房、租房、还贷提取条件要求的住房消费情形纳入到其他住房消费情形。

最后，对于农业户口的非深户职工，新规定增加了其在户籍所在地的宅基地建造住房的提取情形。

据悉，该项规定将在下一阶段拟订具体操作规则。

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深圳市住房公积金缴存管理规定

深圳市住房公积金缴存管理规定06月02日讯，第一章总则第一条为加强住房公积金缴存管理，维护职工住房公积金权益，根据《住房公积金管理条例》和《深圳市住房公积金管理暂行办法》等规定，结合本市实际，制定本规定。

第二条本规定适用于本市行政区域内住房公积金的缴存管理。

第三条单位及其职工应当按本规定缴存住房公积金。

单位及其职工住房公积金的缴存比例由单位在国家规定的区间选定，缴存比例取1％的整数倍。

单位的分支机构具有独立的统一社会信用代码或者组织机构代码的，可以作为住房公积金缴存单位。

港澳台居民与外国人士属于本规定第四十二条第二款所称职工的，所在单位及其本人可以在本市缴存住房公积金。

第四条深圳市住房公积金管理中心（以下简称公积金中心）负责本市行政区域内住房公积金的缴存管理。

第五条单位和职工应当按照本规定向公积金中心确定的住房公积金业务网点（以下简称业务网点）或者住房公积金自助服务平台（以下简称自助服务平台）申请办理住房公积金缴存业务（以下简称缴存业务）；相关业务表格、协议文本，可以在业务网点领取或者在公积金中心网站下载。

单位和职工按本规定办理缴存业务的，应当提供证明材料原件或者提供复印件核验原件。

第六条单位和职工申请办理缴存业务的，业务网点应当自受理申请之日起3日（工作日，下同）内办理完毕，本规定另有规定的除外；不予办理的，应当在前述规定时间内说明理由。

第二章专办员第七条单位应当指定1名以上工作责任心强且具备一定计算机操作能力的职工，作为住房公积金专办员（以下简称专办员），专门负责以下事项：（一）按规定为本单位及职工办理住房公积金缴存等有关业务；（二）整理、保管本单位住房公积金相关文件资料，并依法履行保密义务；（三）审查本单位办理住房公积金业务提交的有关资料；（四）协助公积金中心对本单位职工进行住房公积金缴存、提取和贷款等业务知识的宣传和指导；（五）承办单位或者公积金中心规定的其他住房公积金事项。

公积金中心应当组织专办员进行业务培训，且不得收取培训费用。

深圳市住房公积金管理暂行办法全文.doc

深圳市住房公积金管理暂行办法全文深圳市住房公积金管理暂行办法全文(二)分配方案;(六)审批公积金中心提出的住房公积金呆坏帐核销申请;(七)审议公积金中心拟向社会公布的住房公积金年度公报;(八)需要决策的其他事项。

第十条公积金中心是直属市人民政府的不以营利为目的的独立的事业单位，由市住房保障部门代管。

公积金中心是本市法定机构试点单位，应当按照法定机构要求，依公积金中心章程运作。

第十一条公积金中心承办公积金管委会决策事项，依法履行下列职责：(一)编制、执行住房公积金的归集、使用计划;(二)负责记载职工住房公积金的缴存、提取、使用等情况;(三)负责住房公积金的核算;(四)审批住房公积金的提取、使用;(五)负责住房公积金的保值和归还;(六)编制住房公积金归集、使用计划执行情况的报告;(七)编制住房公积金年度财务收支预算、决算;(八)监督、检查单位住房公积金缴存情况;(九)拟订住房公积金增值收益分配方案;(十)拟订住房公积金的最高贷款额度;(十一)按规定开展或者委托商业银行办理住房公积金归集、提取等业务;(十二)查处住房公积金缴存、提取、使用中的违法行为;(十三)承办本市人民政府及公积金管委会决定的其他事项。

前款第(七)项规定的住房公积金年度财务收支预算和决算、第(九)项规定的住房公积金增值收益分配方案，经市财政部门审核后，由公积金中心提交公积金管委会审议。

前款第(十)项规定的最高贷款额度由公积金中心根据本市的住房价格、职工购买能力、住房公积金的资金状况及国家有关规定等拟订，报公积金管委会批准后公布执行。

第十二条公积金中心可以根据工作需要以及本市实际情况，按照精简效能的原则设立管理部作为分支机构开展住房公积金业务。

第十三条公积金中心应当建立住房公积金信息化管理运作系统，采用网上服务平台系统等现代信息化技术手段提高住房公积金业务办理效率。

公积金中心应当建立明确、具体、有效的内部控制制度，构建运作规范化、管理科学化、监控信息化的内控体系，强化风险管理，保障资金安全。

深圳市住房公积金提取管理暂行规定

深圳市住房公积金提取管理暂行规定（征求意见稿）第一章总则第一条为了加强住房公积金提取管理，规范住房公积金提取使用行为，根据国务院《住房公积金管理条例》和《深圳市住房公积金管理暂行办法》等有关规定，结合本市实际，制定本暂行规定。

第二条本暂行规定适用于深圳市行政区域内住房公积金的提取管理。

第三条深圳市住房公积金管理中心（以下简称公积金中心）负责本市住房公积金提取管理。

第四条住房公积金缴存职工（以下简称职工）可以按照本暂行规定中住房消费和非住房消费情形向公积金中心申请提取其账户内的住房公积金。

本暂行规定中的一项或者多项住房消费情形同时发生的，职工应当选择一项住房消费情形申请提取住房公积金，在此住房消费情形终止后，职工方可选择其他项住房消费情形申请提取住房公积金。

第五条公积金中心可以根据国家、省和本市住房政策以及住房公积金归集使用情况，拟订职工因住房消费提取住房公积金的额度标准，经本市住房公积金管理委员会批准后公布执行。

第六条职工申请提取住房公积金，应当提交以下基本材料：（一）住房公积金联名卡；（二）身份证；（三）《深圳市住房公积金提取申请表》。

----------------------------精品word文档值得下载值得拥有----------------------------------------------需要委托他人提取住房公积金的，委托人应当签署授权委托书，受托人应当提交其本人身份证和委托人住房公积金联名卡、身份证。

第七条职工申请办理住房公积金提取业务，公积金中心应当自受理职工申请之日起3个工作日内做出准予提取或不予提取的决定。

准予提取的，由受公积金中心委托办理住房公积金业务的商业银行办理支付手续；不予提取的，应当告知申请人不予提取的原因。

职工按照本暂行规定提取住房公积金，应当提交的相关证明文件或者材料的原件和复印件。

第二章住房消费提取第八条职工有下列住房消费情形之一的，可以按照本暂行规定申请提取住房公积金：（一）购买具有所有权的自住住房的；（二）支付本市范围内自住住房租金的；（三）偿还本市范围内自住住房贷款本息的；（四）支付本市范围内自住住房物业管理费的；（五）建造、翻建、大修本市范围内具有所有权的自住住房的。

公积金深圳市住房公积金管理暂行办法

深圳市住房公积金管理暂行办法[1]（征求意见稿）第一章总则第一条（立法目的和依据）为加强本市住房公积金管理，维护住房公积金所有者的合法权益，发挥住房公积金制度的住房保障作用，支持职工解决自住住房问题，根据国务院《住房公积金管理条例》，结合本市实际，制定本办法。

第二条（适用范围）本办法适用于本市行政区域内住房公积金的归集、使用、管理和监督。

第三条（缴存主体）住房公积金由国家机关、事业单位、企业、民办非企业单位、社会团体（以下统称单位）及其在职职工缴存。

本办法所称住房公积金，是指支持职工解决自住住房问题的具有保障性、互助性和强制性的长期住房储金。

本办法所称自住住房主要包括保障性住房、安居型商品房和普通商品住房。

第四条（公积金的权属）职工个人缴存的住房公积金和职工所在单位为职工缴存的住房公积金，属于职工个人所有。

第五条（管理运作模式）住房公积金的管理实行住房公积金管理委员会（以下简称公积金管委会）决策、住房公积金管理中心(以下简称公积金中心)运作、银行专户存储、财政监督的原则。

第六条（相关单位要求）住房保障、财政、人民银行、规划和国土、公安、人力资源和社会保障、民政、市场监督、税务、统计、总工会等部门和组织以及各区人民政府应当按照各自职责支持公积金中心开展住房公积金缴存扩面工作，并通过建立信息共享机制支持公积金中心开展住房公积金缴存、提取和贷款等业务审核工作。

第二章机构及其职责第七条（公积金管委会）公积金管委会是本市住房公积金管理的决策机构。

公积金管委会委员按规定程序推荐后由市政府聘任。

第八条（公积金管委会制度）公积金管委会应当建立严格、规范的会议制度，明确决策规则、程序、权限和责任，建立决策结果备案备查制度。

公积金管委会下设办公室，办公室设在市住房保障部门，负责公积金管委会的会议筹办、决策事项督办等工作。

深圳市住房公积金贷款管理暂行规定起草说明

深圳市住房公积金贷款管理暂行规定起草说明第一篇：深圳市住房公积金贷款管理暂行规定起草说明《深圳市住房公积金贷款管理暂行规定》起草说明根据国务院《住房公积金管理条例》（以下简称《条例》）和《深圳市住房公积金管理暂行办法》（以下简称《暂行办法》），结合我市实际情况，我们拟订了《深圳市住房公积金贷款管理暂行规定》（征求意见稿）（以下简称《贷款规定》），现就有关问题说明如下：一、制定《贷款规定》的必要性和迫切性贷款是住房公积金制度的重要内容，也是住房公积金缴存职工能享受到的最大政策优惠。

开展公积金贷款业务，有利于发挥住房公积金制度的住房保障作用，支持住房困难的职工（包括夹心层群体）解决自住住房问题。

《暂行办法》按照《条例》规定对我市住房公积金制度框架进行了明确规定，但对办理贷款业务的相关事项未作具体规定。

制定《贷款规定》，有利于明确单位和职工贷款业务的办理程序、办理地点、办理相关业务需要提供的证明文件和材料以及办理方式，规范公积金贷款业务办理流程。

从近期住房公积金政策宣传及受理市民咨询问题反映的情况来看，广大职工对我市公积金贷款政策甚为关注，通过多方面反映其申请贷款的迫切要求。

为确保我市住房公积金业务平稳推进，满足缴存职工申请公积金贷款解决自住住房问题需要，有必要尽快出台《贷款规定》。

二、《贷款规定》的起草过程和文件出台形式（一）起草过程。

在起草《贷款规定》的过程中，我们充分借鉴了兄弟城市的贷款相关政策实践经验，如北京、上海、苏州、天津、杭州、南京、湖州、宁波、广州、东莞、成都等，也充分考虑了我市实际情况。

2011年12月底，我们将《贷款规定》向部分专家、人大代表、单位代表和职工代表征求了意见，并根据征求的意见对《贷款规定》进行了修改。

2012年1月中旬和4月中旬，市住房和建设局两次召开会议专题研究了住房公积金贷款有关政策设计问题。

此后，我们将修改后的《贷款规定》向住房公积金管理委员会（以下简称管委会）委员、市政府职能部门和各区政府征求意见。

深圳市住房公积金管理条例

深圳市住房公积金管理条例!深圳市住房公积金管理条例完整版第一章总则第二条(适用范围)本办法适用于本市行政区域内住房公积金的归集、使用、管理和监督。

第三条(缴存主体)住房公积金由国家机关、事业单位、企业、民办非企业单位、社会团体(以下统称单位)及其在职职工缴存。

本办法所称住房公积金，是指支持职工解决自住住房问题的具有保障性、互助性和强制性的长期住房储金。

本办法所称自住住房主要包括保障性住房、安居型商品房和普通商品住房。

第四条(公积金的权属)职工个人缴存的住房公积金和职工所在单位为职工缴存的住房公积金，属于职工个人所有。

第五条(管理运作模式)住房公积金的管理实行住房公积金管理委员会(以下简称公积金管委会)决策、住房公积金管理中心(以下简称公积金中心)运作、银行专户存储、财政监督的原则。

第六条(相关单位要求)住房保障、财政、人民银行、规划和国土、公安、人力资源和社会保障、民政、市场监督、税务、统计、总工会等部门和组织以及各区人民政府应当按照各自职责支持公积金中心开展住房公积金缴存扩面工作，并通过建立信息共享机制支持积金中心开展住房公积金缴存、提取和贷款等业务审核工作。

第二章机构及其职责第七条(公积金管委会)公积金管委会是本市住房公积金管理的决策机构。

公积金管委会委员按规定程序推荐后由市政府聘任。

第八条(公积金管委会制度)公积金管委会应当建立严格、规范的会议制度，明确决策规则、程序、权限和责任，建立决策结果备案备查制度。

公积金管委会下设办公室，办公室设在市住房保障部门，负责公积金管委会的会议筹办、决策事项督办等工作。

第九条(公积金管委会职责)公积金管委会在住房公积金管理方面履行下列职责：(一)依据有关法律、法规和政策，制定和调整住房公积金的具体管理措施，并监督实施;(二)拟订住房公积金的具体缴存比例;(三)审批住房公积金年度归集、使用计划及计划执行情况的报告;(四)审批住房公积金年度财务收支预算、决算;(五)审批住房公积金增值收益分配方案;(六)审批公积金中心提出的住房公积金呆坏帐核销申请;(七)审议公积金中心拟向社会公布的住房公积金年度公报;(八)需要决策的其他事项。

深圳市住房公积金贷款管理暂行规定

深圳市住房公积金贷款管理暂行规定深圳市住房公积金贷款管理暂行规定第一章总则第一条为规范深圳市住房公积金贷款管理，加强对住房公积金贷款的监督和管理，促进住房公积金的合理使用和保值增值，根据《中华人民共和国住房公积金条例》等法律法规，制定本暂行规定。

第二章贷款申请第二条具备贷款条件的个人可向住房公积金管理机构申请住房公积金贷款。

贷款条件详见《深圳市住房公积金贷款管理实施细则》。

第三条贷款方式第三条住房公积金贷款方式包括商业贷款与公积金贷款的组合贷款形式。

贷款期限原则上不超过30年，具体期限参照贷款协议。

第四条贷款额度第四条住房公积金贷款额度参照国家有关规定，不超过购买住房总价的80%。

具体额度参照贷款协议。

第五条贷款利率第五条住房公积金贷款利率按照国家相关规定执行。

第三章贷款管理第六条住房公积金贷款的借款人和贷款机构应签订贷款协议，并约定还款方式和期限。

第七条借款人应按照贷款协议约定的还款方式和期限按时偿还贷款本金和利息。

如借款人逾期还款，将按国家有关规定进行处理。

第八条贷款机构应建立完善的贷款管理制度，对借款人的还款情况进行定期监督和检查，及时协助借款人解决还款问题。

第四章监督与处罚第九条住房公积金管理机构应加强对贷款机构的监督，确保贷款机构严格按照法律法规办理住房公积金贷款。

第十条对于违反规定的借款人和贷款机构，住房公积金管理机构有权采取相应的监管措施，并根据情况给予相应的处罚，包括但不限于扣除贷款机构的违规所得、暂停贷款机构的贷款业务等。

第五章附则第十一条本暂行规定自发布之日起实施。

第十二条住房公积金管理机构可根据需要制定相应的实施细则，对本规定进行补充和解释。

第十三条本暂行规定解释权归深圳市住房和建设局所有。

深圳市住房公积金贷款管理暂行规定的发布，将有利于规范深圳市住房公积金贷款的管理，保护公积金的安全和有效利用。

希望贷款借款人和贷款机构能够遵守相关规定，共同为住房公积金贷款的发展做出贡献。