What are the advantages and disadvantages of Xiamen collective account?
Benefits of collective accounts:
1, the establishment of collective households, indicating that the unit and employees have established good labor relations. If an employee is injured at work, the company only wants to solve it privately and doesn't want to bear it. Therefore, if the employee has any objection to the labor dispute, he can defend his rights through legal means;
2. It is illegal for an employee to settle his account in the company's collective account, and the company cannot transfer his account to apply for a card for some reason;
If you don't work in the company in the future, you have to transfer out to leave your job smoothly.
Disadvantages of collective accounts:
1. If employees need relevant household registration certificates or resign, it will add a lot of procedures to human resources. Such as marriage, childbirth, issuing household registration certificates, changing identity cards, etc.;
2. The collective hukou system gave birth to this industry in registered permanent residence, which is full of fraud, bribery and trading of power and money. Especially in large and medium-sized cities such as Beijing and Shanghai;
3. The collective account handled by farmers after they turn to Africa cannot return to their original places, and they need to buy a house to settle down;
4. If both husband and wife are collective accounts, they cannot apply for marriage, family planning and children's accounts;
5. After marriage, the collective account cannot be moved back to its original place;
6. The head of the collective account is the unit and the location of the unit. Resident account is the best proof of identity besides ID card, but collective account is not counted. The collective account is valid on the basis of you or the employees of this unit. Once the contract is terminated, it is necessary to transfer the account; Collective accounts cannot be paid by individuals, and resident accounts can be paid by individuals; If a child enters school and his parents have a collective account, the child does not enjoy compulsory education in the region.
Two ways to go through the formalities of purchasing a house with a collective account.
(1) Borrow the original Personal Registration Card from the company's collective account book, and return the original Personal Registration Card to the company after going through the formalities.
(2) Go to the police station where the collective account is located, and make a "Household Registration Certificate" to go through the settlement procedures. And submit relevant documents:
1. You must have a real estate license and a land certificate to buy a house. If you buy a second-hand house, you have to let the original owner move to the account and let the owner's own account move in.
2. After buying a house and doing the two certificates well, go to the local police station and ask who is the registered policeman where the house is located. After finding the registered police in the police station or community police office, explain their purpose and write an application for entering the house. This step should bring the original two certificates, the original single page of the collective account of the provincial talent exchange center, the original education, the original ID card and the original employment contract (which must be signed with the enterprise within 2 years after graduation). After the household registration police signed and agreed, they took the application form and stamped it at the account change window of the police station.
3. Bring two certificates, the original education, the original ID card, the original single page of the collective account of the provincial talent exchange center, the original and photocopy of the employment contract, the copy of the employer's business license, and the original stamped application for entering the household, and go to the local district government affairs center for review. After the approval, the other party will print a notice of consent to enter the house, which will be kept by the head of the household.
4. Bring the Admission Approval Notice, 3 1 inch registration photos and the materials returned by the government affairs center, and go back to the police station for settlement procedures.
According to the relevant regulations, the parties who purchase houses need to provide the public security organs with the property right certificate (the mortgaged houses are subject to the purchase contract and the bank mortgage agreement) and the household registration book and ID card of the relocated personnel. If there are family members moving with you, you also need a marriage certificate and proof of the relationship between parents and children. The household registration information on all the above documents and certificates must be consistent.
What are the advantages and disadvantages of Xiamen collective account? There are certain advantages and disadvantages in setting up a collective account in any city. If you have the opportunity to separate the collective accounts, you must be independent. If you don't know the specific content of collective account settlement or the relevant legal provisions of settlement, you should seek the guidance of a lawyer in time.