浙江日报讯 近年来，许多人利用公积金贷款购房，既减轻贷款压力，又可以享受到更多的优惠和便利。为进一步加强住房公积金监管，今年4月，我省推行了住房公积金“阳光工程”建设。目前我省住房公积金运行是否安全，住房公积金如何进一步便民？就读者关心的有关问题，记者采访了省住房和城乡建设厅副巡视员卓春雷。

Zhejiang daily - in recent years，Many people use accumulation fund loan to buy houses，Not only reduce loan pressure，And can enjoy more favorable and convenient。In order to further strengthen the public accumulation fund for housing construction supervision，In April this year，Our province introduced a housing accumulation fund“Sunshine project”construction。At present our province housing accumulation fund is safe operation，How to further for the convenience of the housing accumulation fund？Readers will care about related problems，The reporter interviewed province housing and urban and rural construction ZhuoChunLei deputy inspector。

确保运行安全 To ensure the safe operation of

　　记者：目前，我省住房公积金制度覆盖了多少职工，运行情况怎么样？

reporter：At present，Our province housing accumulation fund system covers many worker，Operation？

　　卓春雷：我省自1992年实施住房公积金制度以来，安全、有效地稳妥推进。截至今年6月底，我省住房公积金缴存职工人数415万人，累计归集住房公积金3083亿元，累计发放个人住房公积金贷款1901亿元，住房公积金逾期贷款率为万分之零点四，为全国各省、市、区最低。

ZhuoChunLei：Our province since 1992 since the implementation of the system of housing accumulation fund，safety、Effectively safely ahead。By the end of June this year，Our province housing accumulation fund capture puts the number of 4.15 million people，Cumulative collection housing accumulation fund 308.3 billion yuan，Accumulated release loan of individual housing accumulation fund 190.1 billion yuan，Housing accumulation fund loans overdue for all the zero point four points，For the provinces、city、Area minimum。

　　记者：我省采取了哪些措施，确保住房公积金安全运行？

reporter：What measures taken in our province，To ensure the safe operation of housing accumulation fund？

　　卓春雷：今年，我省以深入推进住房公积金“阳光工程”建设为抓手，全面系统地推动住房公积金管理信息阳光公开、透明。我们拟起草住房公积金行政监督实施细则，创新探索建立住房公积金动态的应急预案，切实防范和化解资金风险。同时，加快实现全国住房公积金监管系统和全省房地产监管分析平台联网，届时可以拉起一张更加安全的运行网。

ZhuoChunLei：This year，Our province to further the public accumulation fund for housing construction“Sunshine project”Construction as the gripper，Comprehensively promote the housing accumulation fund management information sunshine public、transparent。We propose to draft the public accumulation fund for housing construction detailed rules for the implementation of the administrative supervision，Innovation to set up housing accumulation fund dynamic emergency plan，To guard against and defuse capital risk。At the same time，The realization of the national housing accumulation fund supervision system and the real estate regulation analysis platform for networking，When can pull up a safer operation network。

提取更加便捷 Extraction more convenient

　　记者：有杭州市民反映，住房公积金还贷每年提取一次间隔太久，能否采取更加便民的措施，随用随取？

reporter：Hangzhou citizens have reflected，Loan of housing accumulation fund every year extraction a interval is too long，Can take more convenient measures，As with take with？

　　卓春雷：根据有关规定，偿还购房贷款本息的，可以提取职工住房公积金账户内的存储余额。各地住房公积金管理机构根据各自住房公积金资金的供需状况会做出具体规定。我省大体有两类情况：一是住房公积金资金供大于求或供需基本平衡的地区，规定职工可以“按月冲抵”住房公积金贷款本息。目前，我省大部分地区都实行了这一政策。二是少数住房公积金资金供不应求的地区，规定职工间隔一年提取住房公积金偿还贷款本息。主要是为确保更多职工能够享受到低利率的住房公积金优惠贷款。下一步，我们会督促有关地区，在资金条件改善的前提下，缩短提取还贷的间隔时间，争取实现按月提取。

ZhuoChunLei：According to the relevant provisions of the，Repay the principal and interest of the loan，Can extract worker housing accumulation fund account storage balance。Around the housing accumulation fund management institutions according to their housing accumulation fund supply and demand of funds will make specific provisions。There are two types of our province general situation：One is the housing accumulation fund fund supply exceeds demand or supply and demand balance of basic areas，Regulation worker can“Monthly charge against”Housing accumulation fund loan principal and interest。At present，Most parts of our province are implemented this policy。The second is a few housing accumulation fund fund shortage in the region，Regulation worker interval a year of extraction housing accumulation fund loan principal and interest。Mainly is to ensure that more workers can enjoy low interest rate of housing accumulation fund preferential loans。The next step，We will urge relevant areas，In the capital conditions under the premise of improving，Shorten extraction time interval of the loan，Try to make monthly extraction。

　　记者：有杭州市民问，换了单位，原所在单位的公积金还能提取么？

reporter：Hangzhou citizens have asked，In the unit，The original place unit of accumulation fund also can extract the yao？

　　卓春雷：根据规定，缴存职工与原单位终止劳动关系，若进入新单位就业，可办理住房公积金账户转移手续，由新单位继续缴纳住房公积金；若暂时未找到新单位就业，则办理住房公积金账户封存手续。

ZhuoChunLei：According to the regulation，Capture puts worker and former unit to terminate the labor relationship，If into the new unit obtain employment，Can deal with account of housing accumulation fund transfer formalities，The new unit continue to pay housing accumulation fund；If temporary not found new unit obtain employment，Deal with the account of housing accumulation fund to seal formalities。

　　为体现以人为本的精神，我省已适当放宽提取条件，规定以下几种情况可以提取住房公积金：基本丧失劳动能力且与单位终止劳动关系未再就业的；非本市、县(市、区)城镇户籍的进城务工人员与单位终止劳动关系，不在本市、县(市、区)就业的；职工享受城市最低生活保障，或者连续失业两年以上且家庭生活困难，或者因本人、配偶及其直系亲属因重病、大病造成家庭生活严重困难，用于支付物业专项维修资金、物业服务费等费用的。

In order to manifest people-oriented spirit，Our province already properly relaxed extraction conditions，Provisions several situations can extract housing accumulation fund：Basic lose labor ability and stop labor to concern with the unit not again of obtain employment；Not this city、county(city、area)The registered permanent residence of urban migrant workers and unit terminate the labor relationship，Not in this city、county(city、area)employment；Worker enjoys urban minimum life guarantee，Or continuous unemployment two years and family life difficult，Or because I am、Spouses and their immediate family members because of serious illness、A serious illness causes the family life serious difficulty，Used for the payment of the property special maintenance funds、Property management fees and other expenses。

推进扩面监督 Promote expanding surface supervision

　　记者：有市民反映，因为跳槽，公积金缴存中断过，会影响申请住房公积金贷款吗？如果有影响，有什么补救措施吗？

reporter：Have people reflect，Because the job，Accumulation fund capture puts ceased，Will affect apply for loan of housing accumulation fund？If there is influence，What is the remedial measures？

　　卓春雷：为确保住房公积金资金安全，只有正常缴存住房公积金，即连续缴存住房公积金达到一定时间要求的职工才能申请住房公积金贷款。我省各市对贷款申请人连续缴存时间要求一般为半年或一年。若跳槽后被新单位录用的时间和离职的时间衔接上，而新单位未及时办理导致公积金缴存中断，可向住房公积金管理中心申请补缴，视同连续缴存；若时间未衔接上，则必须连续缴存时间达到条件后，方可以申请住房公积金贷款。

ZhuoChunLei：In order to ensure the safety of fund, a housing accumulation fund，Only normal capture puts housing accumulation fund，Namely continuous capture puts housing accumulation fund to a certain time requirements of the worker can apply for loan of housing accumulation fund。Our province various cities to loan applicant continuous capture puts the time required for general for half a year or one year。If the job hopping is new units employ time and exit time on cohesion，The new unit fails to deal with lead to accumulation fund capture interrupt，But to the housing accumulation fund management center to apply for to capture，Shall be regarded as continuous capture puts；If the time is not on the cohesion，It must be continuous capture puts time reach after conditions，Party can apply for loan of housing accumulation fund。

　　记者：今后，我省扩大住房公积金制度覆盖面会采取哪些举措？

reporter：In the future，Our province housing accumulation fund system to expand coverage will take what measures？

　　卓春雷：为让更多职工享受住房公积金的优惠政策，我们将积极扩大住房公积金制度覆盖面。继续推进自由职业者、个体工商户等纳入住房公积金制度，实现住房公积金制度从“制度全覆盖”向“人群全覆盖”转变；探索建立我省住房公积金督察员制度，会同省级监管部门开展住房公积金专项监督检查，对工作滞后的地区，要及时约谈相关部门负责人并视情问责，选择部分拒不为职工缴存、少缴或长期拖欠住房公积金的企业，申请法院强制执行或在媒体予以曝光。

ZhuoChunLei：To let more worker enjoys the preferential policy of housing accumulation fund，We will actively expand the housing accumulation fund system coverage。To continue to push forward the freelancers、Individual and industrial and commercial door, etc into the housing accumulation fund system，To realize system of housing accumulation fund from“System covering the whole”to“Crowd full cover”transformation；Explore to establish our province housing accumulation fund supervisor system，In conjunction with the provincial supervision department to carry out special housing accumulation fund supervision and inspection，To the work lag area，To timely questioning responsible person of related department and apparent feeling accountability，Choose part for worker pay puts refuses to、Pay less or long-term arrears of the public accumulation fund for housing construction enterprise，Apply for court for compulsory execution or in the media to exposure。