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黑龙江省住房公积金提取管理暂行规定

2015-09-01 14:54:48  浏览次数:

第一章    

第一条  为加强住房公积金管理,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》(国务院令第350号)和有关法律法规,结合本省实际,制定本规定。

第二条  本规定所称住房公积金提取是指住房公积金缴存人(以下简称缴存人)依照本规定,提取住房公积金账户内部分或全部存储余额的行为。

第三条  本规定适用于黑龙江省行政区域内住房公积金的提取管理。

第四条  住房公积金管理中心(以下简称管理中心)负责缴存人住房公积金提取申请的受理和审批等管理工作。


第二章  提取范围

第五条 缴存人有下列情形之一的,可以申请提取住房公积金账户内的存储余额:

(一)购买、建造、翻建、大修自住住房的;

(二)偿还购房贷款本息的;

(三)房租超出家庭工资收入规定比例的;

(四)退休的;

(五)出境定居的;

(六)死亡或者被宣告死亡的;                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          

(七)完全丧失劳动能力,并与单位终止劳动关系的;

(八)与单位终止(解除)劳动关系,且非本行政区域户口或户口迁出本行政区域的;

(九)与单位终止(解除)劳动关系,满两年未再就业的。

第六条  缴存人符合本规定第五条(一)、(二)、(三)项情形提取住房公积金的,在本人账户存储余额不足的情况下,可以同时提取配偶(共同还款人)的住房公积金,且合计提取金额不得超过实际发生额。

第七条  缴存人依照本规定第五条(四)、(五)、(六)、(七)、(八)、(九)项规定提取住房公积金的,同时注销缴存人住房公积金账户。

第八条  缴存人符合提取条件但同时尚未还清个人住房公积金贷款的,缴存人及其配偶的住房公积金必须优先用于偿还住房公积金贷款本息。

    第九条  缴存人购买的自住住房为多人共有的,共有人之间关系为同一户籍的父母、子女、配偶的可以提取住房公积金。

 

第三章  提取额度

第十条  缴存人购买、建造、翻建、大修自住住房的,可办理一次住房公积金提取业务,提取额度不得超过实际支出额。

第十一条  缴存人偿还购房贷款本息提取住房公积金的,可以分次提取,累计提取额度不得超过贷款本息合计额。

第十二条  缴存人及其配偶因租赁住房房租超出家庭收入规定比例提取住房公积金的,提取额度不应大于实际支付的房租扣除超出家庭工资收入的比例,且不得超过房产部门公布的租房指导价格。房租超出家庭工资收入比例标准由管理中心按本地实际情况拟定,报住房公积金管理委员会(以下简称管委会)审核同意后实施。

第十三条  缴存人死亡或者被宣告死亡的,缴存人的合法继承人或受遗赠人可以提取该缴存人住房公积金账户内的存储余额;无继承人也无受遗赠人的,该缴存人住房公积金账户内的存储余额纳入住房公积金的增值收益。

 

第四章  提取凭证

第十四条  本规定要求缴存人提供的有效证件或票据、文件,均指原件和复印件,管理中心对照审核后,原件退还申请人,复印件(扫描件)留管理中心存档。

第十五条  缴存人申请提取住房公积金时,须提供本人身份证明。

第十六条  缴存人购买、建造、翻建、大修具有所有权的自住住房的,须提供下列证明材料:

(一)购买本行政区域内自住住房的,须提供经房产部门登记备案的商品房买卖合同、缴款票据或者房屋所有权证、契税发票;

(二)购买纳入本行政区域政府棚改拆迁项目住房的,需提供房屋拆迁补偿协议、搬迁验收单、缴款票据;

(三)异地购房的,须提供房屋所有权证、契税发票及异地工作证明或异地户籍证明;

(四)建造、翻建自住住房的,须提供《国有土地使用证》或《个人建房用地许可证》、《建设工程规划许可证》、《建筑工程施工许可证》和购买建筑材料及施工费用支付凭证以及《房屋所有权证》;

集体土地上建造、翻建自住住房的,须提供《集体土地建设用地使用证》、《集体土地房屋所有权证》;

(五)大修具有所有权自住住房的,须提供土地、规划、建设部门相关文件及购买建筑材料、施工费用发票、《房屋所有权证》。

第十七条  缴存人依照本规定第六条提取配偶的住房公积金的,须提供夫妻关系证明。

第十八条  缴存人偿还住房公积金贷款本息的,原则按协议委托提取还贷方式办理。

对于未开展协议委托提取还贷的管理中心,缴存人提取住房公积金偿还贷款本息的,须提供近期还款证明和借款合同原件。缴存人偿还自住住房商业贷款的,还须提供个人征信报告。并从首次归还贷款之日起,根据缴存人偿还贷款意愿,管理中心一年内至少为其办理一次提取还贷业务。

第十九条  缴存人房租超出家庭工资收入规定比例提取住房公积金的,须提供本行政区域内房屋登记部门出具的本人及配偶无房证明、房屋租赁备案登记证明、三个月内的住房租金完税证明、家庭工资收入证明。

缴存人承租本行政区域公共租赁住房提取住房公积金的,须提供由房屋租赁部门出具的租赁协议和租金支付凭据。

第二十条  缴存人退休的,须提供退休证或退休审批表。

第二十一条  缴存人出境定居的,须提供公安等相关部门签发的移民批准文件或定居国(地区)长期居住证明。

第二十二条  缴存人死亡或被宣告死亡的,其合法继承人(受遗赠人)须提供该缴存人的死亡证明以及合法继承证明。

第二十三条  缴存人完全丧失劳动能力,并与单位终止劳动关系的,须提供与单位终止劳动关系证明及伤残证(1-4级)或劳动能力鉴定机构出具的丧失劳动能力的证明材料。

第二十四条  缴存人调离本行政区域的,按异地转移业务办理。

第二十五条  缴存人与单位终止(解除)劳动关系,且非本行政区域户口或户口迁出本行政区域的,须提供与单位终止(解除)劳动关系的文件或协议、户口证明或户口迁移证明。

第二十六条  缴存人与单位终止(解除)劳动关系满两年未再就业的,须提供与单位终止(解除)劳动关系的证明及未再就业证明。

 

第五章  提取程序

第二十七条  缴存人办理申请提取住房公积金的材料,所在单位应当予以核实,并出具加盖单位印鉴的提取申请。

第二十八条  管理中心应当自受理申请之日起3个工作日内作出是否准予提取的决定,并通知申请人。

第二十九条  缴存人提取住房公积金可以委托本单位公积金专管员代理。由缴存人本人出具代理委托书,经所在单位审核盖章,代理人应提供代理人及被代理人的身份证原件及复印件。

 

第六章    

第三十条  提取住房公积金时提供的证明材料不实或属伪证,骗取本人或他人住房公积金的,由管理中心负责追回被骗取的住房公积金,并由相关部门追究直接责任人和所在单位领导的行政责任,情节严重构成犯罪的由司法机关依法追究刑事责任。

第三十一条  缴存单位、管理中心及受托银行工作人员,不按本规定办理提取造成工作失误的,由所在单位责令限期改正,对负有责任的主管人员和直接责任人给予行政处分;玩忽职守、徇私舞弊造成损失的,追究其经济责任;构成犯罪的,由司法机关依法追究刑事责任。

第三十二条  任何单位和个人不得限制符合提取条件的缴存人提取住房公积金。缴存人有权向省行政监督部门、管委会及管理中心检举揭发住房公积金提取中的违法违规行为。

 

第七章    

第三十三条  管理中心应依据本规定,结合实际制定住房公积金提取管理实施细则。

第三十四条  本规定自发布之日起三十日后施行.

主办单位:双鸭山市住房公积金管理中心
黑ICP备09009162号
技术支持:神玥软件科技股份有限公司