It is enough to adjust the provident fund for one year, and the enterprise provident fund base is adjusted once a year. The new employee starts to pay the housing provident fund from the second month after joining the work, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment ratio. If the wages of employees increase within one year, the base of provident fund payment cannot be changed. The housing accumulation fund year refers to July 1 day of that year to June 30th of the following year, so it can only be adjusted in July.
The latest adjustment policy of 2022 provident fund
1. Adjust the criteria for determining the number of housing units: recognize the loan but not the house.
The determination of house type is related to the down payment ratio, mortgage interest rate and other housing expenditure costs. Recently, the two places have successively adjusted their policies to identify housing units with provident fund loans.
Zigong, Sichuan Province has implemented the standard of accepting loans and not accepting houses since 65438+ 10/7: there is no record of housing provident fund loans and no outstanding housing commercial loans, and the first home loan policy is implemented; If there are records of housing provident fund loans that have been settled or commercial housing loans that have not been settled, it shall be implemented according to the second home loan policy.
2. The down payment ratio of the second suite is reduced.
While increasing the amount of provident fund loans and relaxing the criteria for identifying second homes, individual cities have also adjusted the down payment ratio of second homes to varying degrees.
From 20221October 65438+2 1 day, Guangxi Beihai took the lead in lowering the down payment ratio of the second home, stipulating that the minimum down payment ratio will be lowered from 60% to 40% if the paying family purchases a second home or applies for a second housing provident fund loan. At the same time, from February 1 day, Fuzhou applied for a pure housing provident fund loan for the second time, and the down payment ratio was adjusted from 50% to 40%.