Whether it can be saved depends on your company. From the following, there are no restrictions involving foreigners and locals.
However, deposit slips, wages, etc. Are provided by the unit, so the unit is the key.
Telephone deposit and withdrawal: 027-82797553, please ask according to your specific situation.
Guide to the handling of housing provident fund deposit business
First, the housing provident fund deposit
1, which units should pay housing provident fund for employees?
The following units in Wuhan area shall deposit housing provident fund for employees:
(1) State organs and institutions;
(2) State-owned enterprises, urban collective enterprises, foreign-invested enterprises, enterprises invested by businessmen from Hong Kong, Macao and Taiwan, urban private enterprises and other urban enterprises or economic organizations;
(3) Private non-enterprise units and social organizations;
(4) Permanent representative offices of foreign, Hong Kong, Macao and Taiwan enterprises and other economic organizations in this Municipality.
2. When should the newly established unit handle the registration of housing provident fund deposit?
Newly established units shall, within 30 days from the date of establishment, go to Wuhan Housing Provident Fund Management Center (hereinafter referred to as the "Management Center") or its branches for registration of housing provident fund deposit, and within 20 days from the date of registration, go to the housing provident fund deposit bank to go through the formalities for the establishment of individual accounts of housing provident fund for employees of the unit with the receipt of the Registration Form for Housing Provident Fund Deposit of Units and the relevant information to be provided to the bank.
3. What are the specific procedures for newly established units to establish housing provident fund system?
The applicant shall go to the management center or its branches to register the deposit, fill in the Registration Form for the Deposit of Housing Provident Fund of the Unit and affix the official seal of the unit. The management center or its branches shall examine and verify the starting time of the unit housing provident fund, the number of employees paid, the proportion paid and the housing provident fund handling bank according to the regulations. Management center or its branches after the audit, issued by the "unit housing provident fund deposit registration form acceptance receipt", pay the unit to the deposit bank to set up individual housing provident fund accounts for employees of the unit.
4. What information should I bring to the management center or its branches to register the deposit of unit housing provident fund?
(1) Original and photocopy of organization code certificate;
(2) The original and photocopy of the business license of an enterprise as a legal person (for enterprises without legal person qualification, the original and photocopy of the business license of the enterprise shall be provided), and the original and photocopy of the approval letter for the establishment of administrative institutions and other institutions;
(3) The original and photocopy of the ID card of the legal representative or person in charge and the ID card of the agent;
(4) List of wages paid by the unit (with official seal of the unit);
(5) the accounting statements of the previous year or last month of this unit (stamped with the official seal of the unit);
(6) Registration Form for Deposit of Housing Provident Fund (affixed with the official seal of the unit).
5. What information do I need to bring to the bank designated by the management center or its branches to go through the formalities of setting up individual accounts for employees?
(a) the accounting unit to apply for opening a housing provident fund account, should provide information to the bank:
(1) Receipt for acceptance of registration of unit housing provident fund deposit approved by the management center or its branches;
(2) The housing provident fund shall be deposited into the housing provident fund remittance book and seal card issued by the bank;
(3) The original and photocopy of the Business License for Enterprise as a Legal Person (the original and photocopy of the Business License for Enterprise as a Legal Person shall be provided by enterprises without legal person qualification), and the original and photocopy of the approval documents for the establishment of administrative institutions and other institutions;
(4) The original and photocopy of the ID card of the legal representative or person in charge and the ID card of the agent;
(5) The official seal of the unit, the special seal for the unit's finance, the seal of the legal person or the person in charge of finance and the power of attorney of the legal person;
(6) An account opening permit issued by the People's Bank of China.
(two) the information that should be issued to the bank for handling the personal housing provident fund account for the employees of this unit:
(1) Housing Provident Fund Remittance Letter for employees with bank seals reserved by the unit;
(2) A copy of the employee's ID card.
6. How should the depositor pay the housing provident fund every month?
(a) the first deposit method of the newly established unit:
(1) Fill in the Letter of Payment for Remittance (Supplement) of Wuhan Housing Provident Fund according to the corresponding information of the employee housing provident fund paid and withheld by the unit, and affix the seal reserved by the unit;
(2) Go to the bank where the housing provident fund is deposited for remittance and payment review, and the bank teller will check the number and amount of remittance and payment, and print the remittance and payment review information on the Wuhan housing provident fund remittance and payment (replenishment) payment book;
(3) Issue a transfer check that is consistent with the amount remitted in the "Wuhan Housing Provident Fund Remittance (Supplement) Payment Book" of that month;
(4) Send the cheque and "Wuhan Housing Provident Fund Remittance (Supplement) Payment Book" to the handling bank of the unit to handle the fund settlement procedures, and register with the opening bank, and print the accounting information on the "Wuhan Housing Provident Fund Remittance (Supplement) Payment Book".
(2) How to participate in monthly remittance:
(1) Fill in the remittance (supplementary) letter of Wuhan housing provident fund on a monthly basis;
(2) If there is any change compared with the amount remitted last month, you must fill in the list of changes in the remittance and payment of housing provident fund this month, go to the bank where the housing provident fund is deposited for remittance and payment review, and print the remittance and payment review information after the bank has verified it correctly;
(3) The unit shall, within 5 days from the date of monthly payment of employees' wages, issue a transfer check consistent with the amount remitted in this month's Wuhan Housing Provident Fund remittance (supplement) payment book;
(4) Send the cheque and "Wuhan Housing Provident Fund Remittance (Supplement) Payment Book" (if there is any change, please attach the "Wuhan Housing Provident Fund Remittance and Payment Change List") to the handling bank of this unit for fund settlement procedures, which will be registered by the handling bank, and the accounting information will be printed on the "Wuhan Housing Provident Fund Remittance (Supplement) Payment Book".
7. What preferential tax policies can employees enjoy when paying housing provident fund?
According to the relevant regulations of the Ministry of Finance of People's Republic of China (PRC) and State Taxation Administration of The People's Republic of China (Caishuizi [2006] 10), the housing accumulation fund paid by units and individuals in accordance with the proportion and standards stipulated by the state or local governments is allowed to be deducted from the personal taxable income; Housing provident fund paid in excess of the prescribed proportion and standard shall be incorporated into personal current wages and salary income, and personal income tax shall be levied.
At the same time, individual employees are exempt from personal income tax if they withdraw the paid housing provident fund.
8. What is the current housing provident fund deposit ratio in Wuhan?
The basic deposit ratio of housing provident fund for employees and units in Wuhan is 8%, that is, individual employees pay 8% of their total monthly salary in the previous year, and the unit also pays 8% of their total monthly salary in the previous year, both of which are credited to their individual housing provident fund accounts and belong to individual employees; The contribution ratio of qualified units, employees and units can be increased to 12%, and in principle it shall not exceed 12%. The deposit ratio of railway units shall be handled in accordance with the approved coefficient of the Ministry of Railways. The housing provident fund deposit ratio of both employees and units is the same.
9. What is the deposit base of employee housing provident fund?
The deposit base of employee housing provident fund is the average monthly salary of employees in the previous year. The base for employees to pay housing provident fund shall be determined in accordance with the provisions of the National Bureau of Statistics on the composition of total wages.
10. How to determine the deposit base of employee housing provident fund?
(1) The formula for calculating the average monthly salary of employees in the previous year is: the total salary of employees in the previous year ÷ 12.
(2) The total wages of employees in administrative institutions include: ① basic wages (administrative institutions are the sum of post wages and grade wages, and institutions are the sum of post wages and salary scales); (2) Retain Tianjin subsidy after offsetting 64 yuan; (3) year-end one-time bonus or performance pay; (four) the post allowance stipulated by the state; ⑤ Living allowance; ⑥ Work allowance; ⑦ Reform subsidies; (eight) incentives and subsidies; Pet-name ruby other bonuses paid to on-the-job employees within the scope of the total wages stipulated by the state.
(three) the total wages of enterprise employees include:
(1) hourly wages; ② Piece rate; 3 bonuses; 4. Allowances and subsidies; (5) overtime pay; ⑥ Wages paid under special circumstances. ?
1 1. How does Wuhan limit the deposit base at present?
The deposit base of employee housing provident fund shall not be lower than the minimum monthly wage standard stipulated by the labor department of this Municipality in the previous year, and in principle, the maximum shall not exceed three times the average monthly wage of employees in the previous year announced by the Wuhan Municipal Statistics Department. 20 10 Before the promulgation of the Interim Provisions on the Management of Housing Provident Fund Deposit in Wuhan in March, if the deposit base has reached or exceeded the standard, the original standard deposit may be temporarily maintained, but the deposit base and deposit ratio may not be adjusted every year.
12. How to calculate the monthly contribution of employee housing provident fund?
The monthly deposit amount of employee housing provident fund is the sum of the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee and unit housing provident fund respectively.
13. How to adjust the deposit amount of housing provident fund?
(1) All administrations, enterprises and institutions shall implement the regulations on the management of housing provident fund in the State Council and the regulations on the management of housing provident fund in Wuhan, and the monthly payment of housing provident fund in the current year shall be approved by multiplying the total monthly salary of employees in the previous year by the newly determined proportion of housing provident fund payment.
(2) Each housing provident fund deposit unit shall, before July 1, take the initiative to adjust the deposit amount of employee housing provident fund this year according to the total monthly salary of employees in the previous year.
14. how to determine the deposit base of housing provident fund for new employees and transferred employees?
The deposit base of newly hired and newly transferred employee housing provident fund is the employee's monthly salary.
15. When did the housing provident fund for new employees and transferred employees start to pay?
The newly hired employees of the unit began to pay the housing provident fund in the second month after they joined the work; The newly transferred employees began to pay the housing provident fund from the date when the transferred units paid wages.
16. How to adjust the deposit ratio of housing provident fund and how to handle it?
The basic contribution ratio of housing provident fund for employees and units in Wuhan is 8%, with the maximum not exceeding 12%. If the deposit unit wants to adjust the deposit ratio within this range, it should apply to the management center or its branches, and can deposit according to the new ratio after approval.
17. How can difficult units handle the procedures of reducing the deposit ratio or delaying the payment of housing provident fund?
If it is really difficult to pay the housing provident fund in a legally approved deferred pension, unemployment insurance benefits or a difficult unit that is in a state of suspension (including suspension) or semi-suspension, it shall be discussed and approved by the employee congress or trade union of the unit (if there is no employee congress or trade union in the unit, it shall be approved by the employee congress), reported to the management center or its branches, and implemented after being approved by the Wuhan Housing Provident Fund Management Committee. Units that have been approved to reduce the deposit ratio or postpone the payment of housing provident fund shall return to the prescribed deposit ratio or the housing provident fund during the deferred payment period after the economic benefits improve.
Two. Change of depositor's basic information and cancellation of account
18. What are the procedures for changing the registered items such as company name, organization code certificate and legal representative?
(1) If the registered items such as the name, organization code certificate and legal representative of the deposit company are changed, it shall go to the management center or its branch to register the change of the company's basic information within 30 days from the date of change.
Information to be provided:
(a) the corresponding approval document of the superior competent unit that proves the reason for the change or the notice of enterprise change issued by the administrative department for industry and commerce;
(two) a copy of the organization code certificate issued by the state quality and technical supervision department;
(3) A copy of the changed Business License of Enterprise as a Legal Person;
(four) the identity cards of the legal representative and the handling personnel;
(five) the registration form for the change of basic information of the unit stamped by the unit.
(2) With the approval of the management center or its branches, if the basic information changes, the unit shall go through the formalities for changing the seal of the unit with the Application Form for Change of Unit Information.
19. What are the procedures for merger, cancellation, dissolution and bankruptcy of a company?
(1) The original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the management center or its branch to cancel the registration of the unit housing provident fund account with relevant supporting documents and materials;
(II) If the management center or its branches approve the cancellation of the unit account, the unit shall handle the procedures for the withdrawal, transfer and centralized custody of the housing provident fund for employees with the receipt of the cancellation of the unit housing provident fund account.
Information to be provided:
(a) the corresponding reply of the superior competent unit to the merger of this unit or the legal proof of the reasons for the cancellation of this unit (the cancellation notice of the tax or industrial and commercial administrative department, the ruling of the superior competent department approving the cancellation or the ruling of the court declaring bankruptcy);
(two) the power of attorney of the legal representative and the identity card of the person in charge;
(3) Registration Form for Cancellation of Unit Housing Provident Fund Account sealed by the unit.
Three, housing provident fund account transfer, merger, storage
20. How can the unit handle the transfer procedures of individual housing provident fund when the local work of employees changes?
When employees change their jobs in Wuhan, the principal and interest of housing provident fund in their personal accounts should be transferred to the newly transferred units.
The specific method is:
(1) The handling personnel of the transferring unit or the transferred employees fill in the Wuhan Housing Provident Fund Transfer Certificate (the Inventory of Housing Provident Fund Transfer should be filled in when transferring in batches), and the transferred employees sign it and affix the reserved seal of the transferring unit;
(2) The handling personnel of the transfer-out unit or the transferred-in personnel shall go to the bank where the transfer-out unit opens an account to handle the required information;
(3) Deposit the audit data in the bank, print the transfer information on the transfer voucher of Wuhan housing provident fund, and hand it over to the unit manager or transfer employee for signature confirmation after being stamped;
(4) "Wuhan Housing Provident Fund Transfer Certificate" in triplicate, one for the transferring unit, one for the transferring management center or its branch of the bank, and one for the transferring unit;
(5) After the transfer, the personal account remains unchanged, and after the personal account is transferred to the new company, the status is sealed; When the new unit pays the provident fund for the transferred employees, it must first adjust the personal deposit base and provide the average monthly salary of the transferred employees. The system will automatically generate the monthly deposit amount according to the deposit ratio of the new unit, and then go through the sealing procedure (if the employee's individual deposit base remains unchanged, go through the sealing procedure directly).
2 1. Under what circumstances should the unit or employee transfer the individual housing provident fund account?
In any of the following circumstances, the original unit or employee shall go through the formalities for the transfer of individual housing provident fund:
(1) employee's work unit changes;
(two) the merger or division of the unit;
(3) The unit is revoked, bankrupt or dissolved, and the employee and the new employer re-establish labor relations;
(4) Need to enter the management center or its branches for centralized custody management.
22. How to handle the transfer of housing provident fund accounts when employees are transferred from different places or transferred to local places?
Workers transferred to work in other places, by myself to the transferred to the housing provident fund management center to fill in the "housing provident fund transfer contact letter", the original unit audit stamped the "housing provident fund extraction application form" and the original and photocopy of the ID card, to the management center or its branches for account cancellation transfer procedures.
If an employee is transferred from other places to work in a unit in Wuhan, the new unit shall go through the formalities of setting up a personal account at the entrusted bank. Workers hold their ID cards and certificates of deposit issued by the new unit to the management center or its branches to issue a contact letter for the transfer of housing provident fund in different places, and then go to the management center of housing provident fund in different places to handle the transfer procedures.
23. How to handle the merger of employees' individual accounts?
Each paid employee can only have one housing provident fund account. If employees of the same unit have multiple housing provident fund accounts, they shall go through the formalities of merging individual accounts; If employees have housing provident fund accounts in multiple units, they must first transfer the individual accounts of housing provident fund to the same unit, and then go through the merger procedures of individual accounts. The procedure for merging individual accounts is as follows:
(1) The person in charge of the unit or the employee himself fills in the Application Form for Individual Account Consolidation of Housing Provident Fund;
(2) The handling personnel or employees of this unit shall go to the bank with the required information;
(3) Deposit the audit data in the bank, handle the business, and print the Receipt for Acceptance of Personal Account Consolidation of Housing Provident Fund (in duplicate);
(4) The handling personnel or employees of the unit shall sign the Receipt for Acceptance of Personal Account of Housing Provident Fund for confirmation, and the employees shall keep one copy and deposit it in the bank for transfer to the management center or its branches.
24. Which employees should the unit handle the internal storage of individual housing provident fund accounts?
Before the employee retires, if the wage relationship with the unit is suspended but the labor relationship is still maintained, the unit shall handle the internal sealing procedures of the housing provident fund for the employee, and the sealed housing provident fund account and balance shall be kept in the unit housing provident fund account.
25. After the employee terminates the labor contract with the original unit, how to deal with the housing accumulation fund in the personal account?
Male employees under 50 years of age, female employees under 45 years of age, terminate the labor relationship with the unit where they work, or the original unit goes bankrupt, cancels or dissolves, and there is no new employment unit for the time being, and the principal and interest balance in the housing provident fund account and the account will be transferred to the centralized custodian set up by the management center or its branches for storage.
The handling personnel of the unit shall go through the formalities for centralized custody of the housing provident fund account for the employees with the relevant certification materials and a copy of the employee's ID card to terminate the labor relationship between the employees and the unit, and issue the Certificate for Centralized Custody of the Employee's Housing Provident Fund after being deposited in the bank for examination, which shall be signed by the unit to the employee himself.
During the custody period, employees who meet the extraction conditions can apply for extraction; If you can be re-employed during the custody period, you can go through the transfer procedures according to regulations; If you are not re-employed after two years of custody, you can go directly to the bank where the housing provident fund is deposited to handle the extraction procedures with the Certificate of Centralized Custody of Housing Provident Fund and the original ID card; After re-employment in the future, the housing provident fund will be paid according to a separate account opened by new employees.
(The above terms will be adjusted accordingly with the new policy, and the interpretation right belongs to Wuhan Housing Provident Fund Management Center. )