How to change provident fund account
Replacing provident fund accounts is a problem that many professionals may encounter when changing jobs or moving places of work. This article will introduce in detail the process, required materials, and frequently asked questions about changing your provident fund account to help you quickly complete the account change.
1. Applicable scenarios for provident fund account replacement
1. Cross-city job changes
2. Change of unit leads to change of provident fund depositor
3. Individuals actively apply to change the deposit bank
4. Other special circumstances (such as account merger, etc.)
2. Provident Fund Account Change Process
| step | Operation content | Things to note |
|---|---|---|
| 1 | Confirm the provident fund payment information of the new unit | Obtain the provident fund account number, account opening bank and other information of the new unit |
| 2 | Submit an account transfer application to the original unit | Need to fill in the "Housing Provident Fund Transfer Application Form" |
| 3 | The original unit handles account sealing | This is usually done in the month of resignation or the following month. |
| 4 | Account opening for new unit | A copy of your ID card and other materials are required. |
| 5 | Fund transfer (cross-city situation) | May take 1-3 months to process |
3. List of required materials
| Material type | Specific requirements |
|---|---|
| Proof of identity | Original and copy of ID card |
| Proof of work | Labor contract/resignation certificate from old and new units |
| Application form | Housing provident fund transfer application form |
| other | In some areas, proof of social security payment is required |
4. Comparison of Provident Fund Policies in Various Regions
| area | Transfer time limit | special request |
|---|---|---|
| Beijing | Within 15 working days | The original unit’s seal is required for confirmation. |
| Shanghai | Within 10 working days | Can be processed online |
| Guangzhou | Within 7 working days | Residence permit required |
| Shenzhen | Within 5 working days | The whole process can be done online |
5. Frequently Asked Questions
Q1: Will changing the provident fund account affect the loan application?
A: It will not be affected. As long as the payment record is continuous, the loan qualification will not be affected.
Q2: How long does it take to transfer provident funds across provinces?
A: It usually takes 1-3 months. The specific time depends on the work efficiency of the provident fund centers in the two places.
Q3: Can I choose the provident fund deposit bank myself?
A: Generally, the selection is made by the unit. Individuals can make suggestions but the final decision rests with the unit.
Q4: Can provident funds be withdrawn during account transfer?
A: During the transfer period, the account will be temporarily frozen and withdrawals cannot be processed.
6. Precautions
1. Communicate with the original unit and the new unit in advance to ensure a smooth handover
2. Keep all processing vouchers and receipts
3. Pay attention to changes in provident fund accounts
4. Cross-city transfers may involve additional payment of differences
5. Update personal information (such as mobile phone number, etc.) in a timely manner
7. Latest policy developments (hot spots in the past 10 days)
1. Immediate transfer of provident funds to other places in the Yangtze River Delta region pilot project
2. Several cities have launched provident fund "inter-provincial universal service"
3. The Ministry of Housing and Urban-Rural Development promotes the national provident fund data networking work
4. Some cities are piloting the automatic transfer mechanism of provident funds "as people go"
Through the above detailed introduction, I believe you have a comprehensive understanding of provident fund account replacement. If you have any questions during actual operation, it is recommended to consult the local provident fund management center to obtain the latest policy information. Handle provident fund account changes promptly and properly to ensure that your housing rights are not affected.
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