Suzhou: housing provident fund in the Yangtze River Delta can be used to buy houses through loans from different places.

SMM: September 14, Suzhou Municipal people's Government released "Suzhou experience" to accelerate the integration of housing provident fund in the Yangtze River Delta.

The article pointed out that a few days ago, the Yangtze River Delta housing provident fund integration strategic cooperation officially landed, the Yangtze River Delta housing provident fund use will achieve interoperability, Suzhou provident fund can amortize the housing loans of three provinces and one city in the Yangtze River Delta. In addition, the Yangtze River Delta three provinces and one city provident fund, can be in Suzhou loan to buy a house, remote loans will be gradually realized. The deposit workers of three provinces and one city can apply online directly to apply for the certificate of deposit and use of remote loan, so as to realize the mutual recognition of the certificate information of remote loan.

At the signing ceremony of the strategic cooperation framework agreement for the integration of housing provident fund in the Yangtze River Delta held on August 20, the provident fund management departments of Shanghai, Jiangsu, Zhejiang and Anhui provinces jointly issued the first batch of practical integration projects, which marked the official landing of the integration of housing provident fund in the Yangtze River Delta.

It is reported that this year, Shanghai, Jiangsu, Zhejiang and Anhui provinces will take the lead in carrying out cooperation in nine areas. Including cross-regional house purchase information co-investigation in the Yangtze River Delta, mutual recognition of remote loan proof information in the Yangtze River Delta, warning announcement on abnormal areas in house purchase extraction, knowledge base sharing of 12329 service hotline, pilot remote loan repayment business for railway workers, pilot unified home purchase extraction business policy in the Yangtze River Delta ecological green integrated development demonstration zone, and step-by-step promotion of homogeneous standardization of business in accordance with national standards, Cooperate to carry out research on the financing and use of funds, as well as to carry out learning, exchange and training for personnel, Promote the development of integration.

After the integration of provident fund in the Yangtze River Delta, three provinces and one city will be based on the existing information foundation, realize the sharing of information and data, the unification of business standards, the coordination of risk prevention, and continue to enhance the convenience and universality of services in different places. Further expand the housing provident fund business to talents, services, management and other areas of cooperation. In the future, the citizens of our city will also enjoy more high-quality "Yangtze River Delta housing provident fund integration" services, including unified mutual recognition of business acceptance standards within the scope of three provinces and one city, mutual connection and transfer of hotlines, and so on.

By the end of July this year, 9 service halls in our city have realized high-frequency business in one window, and 36 services have broken the administrative boundaries of the city. In order to strengthen the data-side connection with the industrial park, the "Suzhou Provident Fund" App was launched in June and the "employee account was transferred to the park" function. By the end of July, a total of 800 cases were processed, with a transfer amount of 11.2649 million yuan. In October, the municipal provident fund center will push three more businesses to promote the further deepening of the "small general office" in the city. On this basis, the municipal provident fund center will also jointly study the inter-regional provident fund business in Qingpu and Jiashan, and try it first in the Yangtze River Delta integration demonstration zone to explore the provision of cross-regional provident fund services for units and workers in the region.

In order to accelerate the landing of the Yangtze River Delta housing provident fund integration, the meeting also issued the first batch of integrated practical projects, including the Yangtze River Delta provident fund off-site loan deposit and use certificate project and the Yangtze River Delta housing purchase abnormal warning project, taking this as the starting point and foothold of the cooperation mechanism of the three provinces and one city.

The municipal provident fund center, as one of the two advance provident fund centers in the province, adheres to the concept of service sharing "pilot" and helps a game of chess layout. In March this year, it has taken the lead in connecting to the Yangtze River Delta "Netcom Office" platform to carry out the "Yangtze River Delta Provident Fund off-site loan deposit and use certificate project" business. In the area of three provinces and one city, the deposit worker can apply online directly to realize the mutual recognition of the proof information of the remote loan, and the relevant information can be obtained at the place where the house is purchased, and there is no need to deal with it at the place where it is deposited. Effectively solve the problem of inconsistency between the place where the workers are deposited, the place of household registration and the place of work.

Cross-regional housing purchase information assistance and investigation cooperation projects can also be carried out through the Yangtze River Delta "Netcom Office" platform, relying on information technology and big data to make use of sharing, implement integrated strategic projects, and jointly build a house purchase to extract abnormal warning and notification mechanisms, so that those who break their promises "break their promises everywhere," jointly prevent illegal acts such as fraudulent collection, collection, and loan fraud of housing provident funds, and jointly build a standardized provident fund use order in accordance with the law. Let the concept of "living in a house without speculation" be more deeply rooted in the hearts of the people.

At present, the Municipal Provident Fund Center has issued a total of 41 remote provident fund loans to the depositors of the Shanghai Railway Bureau, with a total of 21.1 million yuan. In the next step, the Municipal Provident Fund Center will explore the optimization of extraction and use policies under the strategic cooperation framework of housing provident fund integration in the Yangtze River Delta, and first pilot remote loan repayment business for railway workers. In the demonstration area of ecological and green integrated development in the Yangtze River Delta, study the pilot unified purchase and extraction business policy caliber, step by step to promote business standardization, standardization, and provide the basis for housing provident fund Yangtze River Delta integrated services.

Suzhou provident fund can directly repay commercial loans for self-occupied housing in other areas of the Yangtze River Delta. Zhou Jun, director of the municipal housing provident fund management center, told reporters that "citizens can now use Suzhou's provident fund to directly repay housing commercial loans in other parts of the Yangtze River Delta."

As for the issue of "off-site loans" that citizens are most concerned about, Zhou Jun said: "with the deepening of the integration of housing provident fund in the Yangtze River Delta, the function of off-site loans will be gradually realized."

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