If the unit promises to help employees pay the provident fund, and then fails to pay it on time, it is illegal. According to the payment regulations, the unit should pay in full and on time, and there can be no problem of overdue payment or underpayment. Some employers do have difficulties. Through the approval of the workers' congress and the provident fund center, the deposit base can be reduced or the deposit time can be delayed. If the company helps employees pay the provident fund, the fees paid by individuals are generally the same as those paid by the company, that is to say, they are paid in equal amounts. As for this deposit base, it is generally between 5%- 12%, which can be decided by the employer according to the performance of each company. Many companies will set it at 8%. Of course, this is not decided by employees, but by enterprises.
Legal basis:
"Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Derivative problem:
How much can the provident fund be withdrawn?
The amount of provident fund that can be withdrawn is: 1. If the housing provident fund is extracted by mortgage, the total amount of extraction shall not exceed the actual housing expenditure; 2, the purchase of a one-time payment, employees and their spouses can withdraw a full housing provident fund every quarter; 3, self-built, overhaul from the housing, decoration extraction of housing provident fund, the total extraction should not exceed the actual housing expenditure. Employees who meet one of the following circumstances and can provide legal and valid certificates in accordance with the regulations may withdraw the deposit balance in the individual housing provident fund: 1, and purchase, build, renovate or overhaul their own houses; 2, reached the national legal retirement age, or has officially gone through retirement procedures; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5, to repay the principal and interest of the purchase of owner-occupied housing loans; 6. Pay the rent for self-occupied housing that exceeds 15% of the family's monthly salary; 7, are enjoying the minimum living allowance for urban residents; 8. I, my spouse and their immediate family members have serious difficulties in family life due to major diseases; 9. Encountering unexpected events, causing serious difficulties in family life; 10, unemployed for more than two years in a row, and the per capita monthly income of the family is lower than the minimum wage income in this area, so family life is seriously difficult; 1 1. If an employee dies at work, his successor or legatee gets it; 12. The employee is a non-local registered permanent residence in agricultural registered permanent residence, and his/her labor relationship is terminated with his/her employer.