The gap is mainly seen from these three aspects:
First, the amount of provident fund is related to the average wage level of the previous year.
The average wage of some state-owned enterprises is low, and the average wage of local society is also low. For example, the average salary is 3,000 yuan, even if it is the top salary, it is 12% for yourself and 12% for the unit, and * * * counts as 720 yuan. The average salary of some state-owned enterprises is 20,000 yuan, which is paid according to 12%, and it is 4,800 yuan a month.
Second, the amount of provident fund is related to the proportion of payment.
Suppose two state-owned enterprises have an average salary of 20,000 yuan. Enterprise A pays 12%, and the monthly accumulation fund is 4,800 yuan. Enterprise B pays 5%, 2000 yuan per month. The difference in provident fund is 2400 yuan.
Third, the amount of provident fund is related to the local payment base.
For example:
The payment base of housing provident fund is determined between 60% and 300% of the local average wage. If the monthly income exceeds 300% of the average social wage, it shall be calculated as 300%.
It is assumed that both enterprises in Beijing pay the fees according to the ratio of 12%.
Xiao Zhang's company has the courage to cap it at 300% of the average social wage. Suppose the average social worker in Beijing last year was 10000 yuan. Xiao Li's payment base is 3000 yuan,12%+12% = 24% * 30000 yuan =7200 yuan.
Xiao Wang's company didn't have the courage to take 60% of the social salary as the payment base, that is, 6000 yuan. If the enterprise is unkind, paying 5% is 6000*(5%+5%)=600 yuan.
Two people have the same salary. Xiao Zhang's monthly provident fund is 7,200 yuan, and Xiao Wang's monthly provident fund is 600 yuan, with a difference of 12 times.
The implementation of the provident fund system of state-owned enterprises is generally standardized, which is mainly caused by three factors, one is the average wage level of the previous year, the other is the contribution base, and the third is the contribution ratio, resulting in a large gap.
A state-owned enterprise in a small county. The accumulation fund has reached 3 100, with a monthly contribution of 800 yuan and a monthly balance of more than 2,000 yuan.
1 1.26 Update: It seems that the topic of provident fund is very hot. Then add it again. I am an employee and engineer of a state-owned enterprise in a county-level city under the jurisdiction of Yichang City. I am engaged in research and development, not a senior leader, nor tobacco and power grid. Our salary changes every month. At present, more than 3,000 provident funds are deducted according to last year's average salary. Wages have risen a little this year, and the provident fund will rise a little next year.
I just signed it with the leader today. When the leader signed it, I saw that five insurances and one gold all went up, and the unit spent hundreds of thousands more.
I said yes, the base was just adjusted in July. Because of the increase in wages, the base has become larger and the amount has increased.
After signing, I can't help but sigh that my salary will be less next month.
As an employee of a state-owned enterprise, I feel that our unit's provident fund is not high or low, which belongs to the middle level.
Why many people want to enter the system is because there is security in the system and five insurances and one gold are paid in full. Although the salary doesn't look very high, the invisible income is very high.
A friend of mine got divorced some time ago. When the property is divided, the wife proposes to divide the provident fund. At that time, he exploded, saying that it was the guarantee bought by the unit. How to divide it? Finally, I consulted a lawyer and said that the provident fund, as the common property of husband and wife, should be divided when divorced. His heart ached badly, and he wanted to have fun with his new lover with the money. Too bad, he has nearly 500 thousand, and almost all of them have been taken away by his wife. 500,000 is enough to buy a cool car. He is an employee of a state-owned enterprise.
For state-owned enterprises, the payment of provident fund generally has the characteristics of full amount and upper limit.
The first is to truthfully calculate the base.
As far as our unit is concerned, the base of five insurances and one gold is different. Because the payment of the five insurances is determined according to the wage base, the state has very clear regulations on which wage income should be included in the wage base. When we calculate the cardinality, we exclude all that need not be included. When calculating the provident fund, all income is included.
Don't ask why, it is to increase employees' income legally.
Employees are not stupid. They all know the base and proportion of various expenses. Within the scope permitted by law, the unit will pay according to the upper limit to avoid unnecessary contradictions. Besides, the leadership itself has legally increased the income, and the base of leadership is higher. The leaders of our unit are all capped.
Second, pay the proportion according to the upper limit.
The provident fund is different from the other five insurances, and it has a strict payment ratio, such as pension unit 16%, individual 8%, medical insurance unit 8% and individual 2%. The provident fund has a range of 5- 12%, which can be used.
Generally speaking, most state-owned enterprises choose 12%, because no matter how hard they try, they can't work hard. As far as I know, state-owned enterprises that can operate normally, even if their financial situation is very poor, pay wages according to the upper limit. After all, this is a major event related to the stability of the people.
There are also some state-owned enterprises that can reduce the deposit ratio. For example, if they suffer serious losses and are on the verge of bankruptcy, they can pay less or postpone their payment with legal approval.
If you are an employee of a state-owned enterprise, the unit must handle the establishment and transfer of a provident fund account for you within 30 days of joining the company. Provident funds are mandatory and legally binding. If the unit fails to pay the provident fund for you in full and on time, you can go to the provident fund management center to complain and report. Remember, don't go to the labor department.
Not long ago, a labor dispatch company that sent laborers to state-owned enterprises suffered a "dumb loss". Of course, this is culpable of punishment. In order to reduce wages, the labor service company verbally told the workers that if they want to come to the company, they don't want the provident fund. Workers have no choice but to go to work honestly. Later, the labor service company found the fault and dismissed the laborers. The laborer resigned and went to the labor department to complain. One of them is that he has no provident fund. As a result, the service company lost the case. First, the rejection is invalid. Second, the provident fund will be reissued. Third, the company fined 30,000 yuan.
Housing accumulation fund belongs to the category of "five insurances and one gold" and is a compulsory payment item. If the unit does not pay the provident fund for employees, it will not only pay back, but also impose an administrative fine on the unit. But in reality, many small and medium-sized private enterprises do not pay or pay less provident fund. For example, small private enterprises will cheat migrant workers. If you want a part of it, you can only take it out when you buy a house or retire. You might as well not pay. Many migrant workers are reluctant to pay the provident fund, because they don't want to pay their personal part of their wages, and feel that it is most practical to get the money immediately.
Regarding the performance of state-owned enterprise provident fund, it should be the best and most standardized among all enterprises. Most enterprises will pay the provident fund for their employees according to the highest proportion of 12%. There is a simple reason. Both management and employees enjoy this treatment, and fools don't pay it. However, there are also a few state-owned enterprises that pay less provident fund because of poor efficiency and tight funds, and it is rare to hear that there are those who do not pay. State-owned enterprise managers are unwilling to bear the punishment of "violation".
However, people who are also state-owned enterprises, why is the gap so big? Some provident funds are five or six thousand, while others are only five or six hundred. There should be three understandings:
First, the amount of provident fund is related to the wage level. Some state-owned enterprises have low average wages, and local social wages are also low. For example, if the average salary is 3,000 yuan, even if it is paid according to the quota, it will be 12% for yourself and 12% for the unit, and * * * will be regarded as 720 yuan. The average salary of other state-owned enterprises is 20,000 yuan, which is 4,800 yuan according to 12%. The provident fund is higher than your salary. Who do you want to cry to?
Second, the amount of provident fund is related to the proportion of payment. Suppose two state-owned enterprises have an average salary of 20,000 yuan. People pay according to 12%, and the monthly accumulation fund is 4,800 yuan. Your state-owned enterprise 5%, 2000 yuan per month. The gap is 2400 yuan. Who are you crying to?
Third, the amount of provident fund is related to the local payment base. For example:
(1) The payment base of housing provident fund is determined between 60% and 300% of local social wages. If the monthly income exceeds 300% of the social wage, it shall be calculated as 300%. It is assumed that both enterprises in Beijing pay the fees according to the ratio of 12%.
(2) The enterprise in which Beijing Xiao Li works has the courage to cap it at 300% of the social wage. Suppose the salary of Beijing Social Security Bureau is 20 10600 yuan (calculated by 10000 yuan). Xiao Li's payment base is 3000 yuan,12%+12% = 24% * 30000 yuan =7200 yuan.
(3) The company where Xiao Zhang, the wife of Xiao Li in Beijing, works has no courage, and the payment base is 60% of the social salary, that is, 6,000 yuan. If the enterprise is unkind, paying 5% is 6000*(5%+5%)600 yuan.
(4) It's terrible. Xiao Li's monthly provident fund is 7200, and Xiao Zhang's monthly provident fund is 600. Difference 12 times. Who are you crying to?
To sum up, the implementation of the provident fund system by state-owned enterprises is still relatively standardized, but there are three factors that widen the gap. First, the average wage level of the previous year; second, the choice of the payment base between 60% and 300%; third, the choice of the payment ratio between 5%- 12%, resulting in a situation of numerous people.
Guangzhou civil servants, personal deduction 2050, unit 2050, but relative to the house price of 40-50 thousand, they can buy one square meter a year.
1. So far, I don't know what the provident fund is based on, but the company will pay me as much as the provident fund deducts me every month, so it is profitable to calculate, and it is also cost-effective to buy a house with the provident fund.
2. My company pays 8% every month, and my account shows that my monthly income is 860, and my personal income is 480. I hope to deduct more points when buying a house, which is more convenient.
3. Generally, many companies do not pay provident fund to informal employees, which is more than that paid by regular employees. The sum of 1600 given by a friend of mine to companies and individuals in a month is not comparable.
1 1 year's grass-roots employees in state-owned enterprises are more boring than this, and they still can't afford to buy a house. The down payment can't make up.
1. I am a state-owned bank in Kunming, and the deposit ratio of provident fund is 12%. My personal monthly payment is 1380, the company returns 1380, and my personal account is increased by 2760 per month. My wife is a rural primary school teacher, with a career establishment and a contribution ratio of 12%. My monthly payment is about 1 100. Our house is a provident fund loan with a monthly payment of 2853, which is more than enough for two people. I know many people who have paid into Kunming provident fund, most of whom are middle-level state-owned enterprises and design institutes with extremely high wages. The upper limit of the deposit base is 20063.00 yuan, the monthly deposit is about 2400 yuan, and the account has reached 4800 yuan.
Two, non-financial supply units, in the range of 20 19 5% to 12% to determine a housing provident fund deposit ratio. Generally, our state-owned enterprises pay 12%. It should be said that the provident fund of state-owned enterprises is relatively high.
Third, generally in non-first-tier cities, unless private enterprises are particularly large, many people are reluctant to pay provident fund to employees. Because employees get less money by paying the provident fund, the provident fund is invisible and has a bad experience for employees. It is better to give it to employees than to pay the provident fund.
As one of the five insurances and one gold, provident fund is closely related to everyone's life, and now, like social security, provident fund is also paid by enterprises for employees.
Under normal circumstances, the level of provident fund is mainly related to wages. The deposit amount of housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund. The higher the salary, the higher the normal provident fund.
It should be noted that the average monthly salary mentioned here includes the salary payable plus various bonuses paid at ordinary times and at the end of the year. Therefore, although the salary of some personnel is not high at ordinary times, the bonuses are not low, so there are also many contributions to the provident fund.
Legal basis:
Regulations on the administration of housing provident fund
Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
Seventeenth new employees began to pay the housing provident fund from the second month of work, and the monthly deposit amount was the employee's own salary multiplied by the employee's housing provident fund deposit ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.
Eighteenth employees and units housing provident fund deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.
Article 19 The housing accumulation fund paid by individual employees shall be withheld and remitted from their wages by their units. The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.