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Regulation on the Administration of Housing Accumulation Funds (2019 Amendment PKULAW Version) [Effective]
住房公积金管理条例(2019修正) [现行有效]
【法宝引证码】

Regulation on the Administration of Housing Accumulation Funds

 

住房公积金管理条例

(Promulgated by the State Council of the People's Republic of China on April 3, 1999 by Order No. 262, and amended in accordance with the Decision of the State Council on Amending the Regulation for the Administration of Housing Accumulation Funds made on March 24, 2002;amended in accordance with the Decision of the State Council to Amend Certain Administrative Regulations on March 24, 2019) (1999年4月3日中华人民共和国国务院令第262号发布 根据2002年3月24日《国务院关于修改<住房公积金管理条例>的决定》修订 根据2019年3月24日《国务院关于修改部分行政法规的决定》修正)

Chapter I General Provisions 

第一章 总  则

Article 1 The present Regulation is formulated for the purpose of strengthening the administration of housing accumulation funds, maintaining the lawful rights and interests of housing accumulation fund owners, promoting the construction of urban houses, and improving the dwelling standard of urban residents.   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,促进城镇住房建设,提高城镇居民的居住水平,制定本条例。
Article 2 The present Regulation shall apply to the deposit, withdrawal, use, management and supervision of housing accumulation funds within the territory of the People's Republic of China.   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、管理和监督。
The term housing accumulation funds as mentioned in the present Regulation shall refer to the long-term housing funds deposited by state organs, state-owned enterprises, urban collective enterprises, foreign-funded enterprises, urban private enterprises, other urban enterprises, public institutions, privately run non-enterprise entities, social organizations (hereinafter collectively referred to as entities) and their incumbent employees. 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。
Article 3 The housing accumulation funds deposited by an individual employee and those deposited by the employee's entity for the employee shall be owned by the employee himself.   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。
Article 4 Housing accumulation funds shall be managed according to the principles of decision made by the housing accumulation fund management committee, funds operated by the housing accumulation fund management center and deposited in special bank accounts, and fiscal supervision.   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、财政监督的原则。
Article 5 Housing accumulation funds shall be used by employees for buying or building houses, rebuilding or overhauling houses for self-dwelling, and shall not be misappropriated by any entity or individual for any other purpose.   第五条 住房公积金应当用于职工购买、建造、翻建、大修自住住房,任何单位和个人不得挪作他用。
Article 6 The interest rate of the deposited housing accumulation funds and that of the lent housing accumulation funds shall be proposed by the People's Bank of China, and be reported to the State Council for approval after opinions have been solicited from the administrative department of construction of the State Council.   第六条 住房公积金的存、贷利率由中国人民银行提出,经征求国务院建设行政主管部门的意见后,报国务院批准。
Article 7 The administrative department of construction of the State Council shall, jointly with the public finance department of the State Council and the People's Bank of China, draft housing accumulation fund policies, and supervise the implementation thereof.   第七条 国务院建设行政主管部门会同国务院财政部门、中国人民银行拟定住房公积金政策,并监督执行。
The administrative department of construction of the people's government of a province or autonomous region shall, jointly with the public treasury department at the same level and the branches of the People's Bank of China, take charge of supervising the implementation of the regulations and policies for the administration of housing accumulation funds within its jurisdiction. 省、自治区人民政府建设行政主管部门会同同级财政部门以及中国人民银行分支机构,负责本行政区域内住房公积金管理法规、政策执行情况的监督。
Chapter II Institutions and Their Duties 

第二章 机构及其职责

Article 8 A municipality directly under the Central Government, a municipality where the people's government of a province or autonomous region is located, or any other districted municipality (region, prefecture, league) shall establish a housing accumulation fund management committee as the decision-making body for housing accumulation fund management. Among the members of a housing accumulation fund management committee, the person-in-charge of the people's government and the persons-in-charge of the relevant departments of construction, public finance, the People's Bank, etc. as well as relevant experts shall account for 1/3, the trade union representatives and employee representatives shall account for another 1/3, and the entity representatives shall account for the remaining 1/3.   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设、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。
The post of director general of a housing accumulation fund management committee shall be held by a person with public faith. 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。
Article 9 A housing accumulation fund management committee shall perform the following duties in respect of housing accumulation fund management:   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下列职责:
(1) Formulating and adjusting specific measures for the management of housing accumulation funds in accordance with relevant laws, regulations and policies, and supervising the implementation thereof; (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;
(2) Proposing the specific deposit proportion of the housing accumulation fund according to Article 18 of the present Regulation; (二)根据本条例第十八条的规定,拟订住房公积金的具体缴存比例;
(3) Determining the maximum loan quota of the housing accumulation fund; (三)确定住房公积金的最高贷款额度;
(4) Examining the housing accumulation fund collection and use plan and deciding whether or not to grant approval; (四)审批住房公积金归集、使用计划;
(5) Examining the program on distribution of value-added proceeds of the housing accumulation fund; and (五)审议住房公积金增值收益分配方案;
(6) Examining the report on the implementation of the housing accumulation fund collection and use plan, and deciding whether or not to grant the approval. (六)审批住房公积金归集、使用计划执行情况的报告。
Article 10 A municipality directly under the Central Government, a municipality where the people's government of a province or autonomous region is located, or any other districted municipality (region, prefecture, league) shall, by following the principles of streamlining and efficiency, establish a housing accumulation fund management center to take charge of the management and operation of the housing accumulation funds. A county (municipality at the county level) shall not establish a housing accumulation fund management center.   第十条 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)应当按照精简、效能的原则,设立一个住房公积金管理中心,负责住房公积金的管理运作。县(市)不设立住房公积金管理中心。
A housing accumulation fund management center as prescribed in the preceding paragraph may establish branches in the counties (cities at the county level) where it is possible. The housing accumulation fund management center and its branches shall be governed by uniform rules and bylaws, and shall make uniform accounting. 前款规定的住房公积金管理中心可以在有条件的县(市)设立分支机构。住房公积金管理中心与其分支机构应当实行统一的规章制度,进行统一核算。
A housing accumulation fund management center shall be the independent non-profit public institution of the people's government of the city to which it is directly subordinate. 住房公积金管理中心是直属城市人民政府的不以营利为目的的独立的事业单位。
Article 11 A housing accumulation fund management center shall perform the following duties:   第十一条 住房公积金管理中心履行下列职责:
(1) Working out and implementing the housing accumulation fund collection and use plans; (一)编制、执行住房公积金的归集、使用计划;
(2) Taking charge of recording the employees' deposit, withdrawal and use, etc. of housing accumulation funds; (二)负责记载职工住房公积金的缴存、提取、使用等情况;
(3) Taking charge of making accounting of housing accumulation funds; (三)负责住房公积金的核算;
(4) Examining and deciding to approve or disapprove the withdrawal and use of housing accumulation funds; (四)审批住房公积金的提取、使用;
(5) Taking charge of the value maintenance and the return of housing accumulation fund; (五)负责住房公积金的保值和归还;
(6) Working out reports on the implementation of the housing accumulation fund collection and use plans; and (六)编制住房公积金归集、使用计划执行情况的报告;
(7) Undertaking other matters decided on by the housing accumulation fund management committee. (七)承办住房公积金管理委员会决定的其他事项。
Article 12 A housing accumulation fund management committee shall, according to the relevant provisions of the People's Bank of China, designate an entrusted commercial bank to handle the housing accumulation fund financial business (hereinafter referred to as entrusted bank); the housing accumulation fund management center shall entrust the entrusted bank to handle the financial business such as housing accumulation fund loans and settlement as well as such matters as opening housing accumulation fund accounts, deposit and returning funds, etc.   第十二条 住房公积金管理委员会应当按照中国人民银行的有关规定,指定受委托办理住房公积金金融业务的商业银行(以下简称受委托银行);住房公积金管理中心应当委托受委托银行办理住房公积金贷款、结算等金融业务和住房公积金账户的设立、缴存、归还等手续。
A housing accumulation fund management center shall conclude an entrustment contract with the entrusted bank. 住房公积金管理中心应当与受委托银行签订委托合同。
Chapter III Deposit 

第三章 缴  存

Article 13 A housing accumulation fund management center shall open a special housing accumulation fund account in the entrusted bank.   第十三条 住房公积金管理中心应当在受委托银行设立住房公积金专户。
An entity shall undergo the formalities for registration of housing provident fund contribution with the housing provident fund management center, and undergo the formalities for opening housing provident fund accounts for its employees. 单位应当向住房公积金管理中心办理住房公积金缴存登记,并为本单位职工办理住房公积金账户设立手续。每个职工只能有一个住房公积金账户。
Each employee may have only one housing provident fund account. 住房公积金管理中心应当建立职工住房公积金明细账,记载职工个人住房公积金的缴存、提取等情况。
Article 14 A newly formed entity shall, within 30 days after its formation, undergo the formalities for registration of housing provident fund contribution with the housing provident fund management center; and shall, within 20 days from the date of the registration, undergo the formalities for opening housing provident fund accounts for its employees. 我我我什么都没做  第十四条 新设立的单位应当自设立之日起30日内向住房公积金管理中心办理住房公积金缴存登记,并自登记之日起20日内,为本单位职工办理住房公积金账户设立手续。
In the case of combination, division, cancellation, dissolution or bankruptcy of an entity, the former entity or liquidation organization shall, within 30 days from the date when the above mentioned circumstance occurs, undergo the modification registration or deregistration formalities with the housing provident fund management center; and shall, within 20 days after the completion of the modification registration or deregistration, undergo the formalities for transfer or seal-up of housing provident fund accounts for its employees. 单位合并、分立、撤销、解散或者破产的,应当自发生上述情况之日起30日内由原单位或者清算组织向住房公积金管理中心办理变更登记或者注销登记,并自办妥变更登记或者注销登记之日起20日内,为本单位职工办理住房公积金账户转移或者封存手续。

 
Article 15 Where an entity employs an employee, it shall, within 30 days from the date when it employs him or her, undergo the formalities for registration of housing provident fund contribution with the housing provident fund management center, and undergo the formalities for the opening or transfer of the housing provident fund account for the employee.
......
   第十五条 单位录用职工的,应当自录用之日起30日内向住房公积金管理中心办理缴存登记,并办理职工住房公积金账户的设立或者转移手续。
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