Enterprises with operational difficulties can ask for a reduction or postponement of income, which is really convenient for most enterprises. The pressure on enterprises is reduced, so you don't have to pay so much money. It is also good for ordinary employees, reducing the burden on enterprises, promoting employment and effectively stabilizing social order. Provident funds do not need to pay taxes, which can narrow the gap between the rich and the poor to a certain extent.
However, for ordinary people, they still can't see the benefits they can't catch. If the proportion of provident fund is low, everyone's salary will rise. However, personal income tax still has to be paid, so the money that is not in hand is still flying. Without provident fund, the pressure of repayment will be even greater.
If the personal contribution ratio is less than 12%, it will not be affected. If you don't plan to buy a house, it won't be affected. Moreover, part of the provident fund paid by enterprises is personal income.
After the proportion of provident fund is reduced, enterprises will pay less for themselves, that is, their income will be reduced, which is a reality. Therefore, some enterprises with good operating conditions are unwilling to reduce the provident fund, and the adjustment of the provident fund is convenient for some unsustainable enterprises.
However, it has no effect on the general public. No money to buy a house, or no money. We can't always look at national policies. The identification of the second suite was changed from "recognizing the house and not recognizing the loan" to "recognizing the house and recognizing the loan".
The maximum amount of the second-home provident fund loan was reduced from 800,000 yuan to 600,000 yuan. If you earn more money, you don't have to worry about this fine-tuning of the policy, which has little impact.