Refine the provisions and details of provident fund deposit
"In fact, bonuses, allowances, subsidies, etc. Are included in the total wages to calculate the amount of provident fund deposit. This is clearly stipulated before. The notice is issued now only to further clarify the relevant regulations and operating rules for the payment of housing provident fund involved in the recent wage adjustment, so that relevant units and departments can pay according to regulations. " The head of the adjustment section of Nanning Housing Provident Fund Management Center said that recently, many employees of government agencies and institutions in Nanning have received salary increases from last year 10 to June this year. Some members of the public have doubts about whether this fund should also be included in the scope of the provident fund deposit base. To this end, Nanning Housing Provident Fund Management Center recently issued the Notice on Incorporating Performance Bonuses and Wages into the Housing Provident Fund Deposit Base of Nanning Institutions (hereinafter referred to as the Notice). The "Notice" stipulates that in the future, performance bonuses and performance wages will be included in the total wages of employees in the current year (August 3 edition of the newspaper published a report on "Nanning Performance Bonus Wages will be included in the contribution base of provident fund").
The "Notice" also stipulates that future annual performance bonuses and performance pay will be included in the total wages of employees in that year. According to the Regulations on the Management of Housing Provident Fund, the deposit base of housing provident fund needs to be adjusted once a year, basically in July of each year (July 1 day of that year to June 30th of the following year is a housing provident fund year).
This year, the deposit base of the provident fund will be increased.
After the introduction of relevant regulations in June this year, due to the increase in wages, many employees of government agencies and institutions in Nanning received unpaid wages from June 65438 last year to June this year. Is this money included in the adjustment of the housing provident fund base? The head of the adjustment section of Nanning Housing Provident Fund Management Center said that after coordination with the Municipal Finance Bureau and other units, and with the approval of the municipal government, Nanning Provident Fund Center decided that during the period from 10 to 12 last year, the wages increased by employees due to normal promotion and wage reform adjustment were all included in the total wages when the base was adjusted in July this year. The performance bonus paid last year can be included in the total salary when the base is adjusted in July this year. This means that this year's housing provident fund deposit base will be improved.
"With the overall improvement of employees' wage income, the payment of provident fund is also increasing. "The person in charge of the Regulation Department of Nanning Housing Provident Fund Management Center said that in accordance with the Regulations on the Management of Housing Provident Fund and related documents, Nanning Housing Provident Fund Management Center has already made clear provisions on the base of housing provident fund deposit, and clearly included bonuses and subsidies in the total wages to calculate the monthly payment amount of housing provident fund. According to the National Bureau of Statistics and other regulations, the total wages should include: hourly wages, piecework wages, bonuses, allowances and subsidies, overtime wages, wages paid under special circumstances, etc.
Accepted four loans from different cities in the same city.
In the first half of this year, Nanning provident fund continued to maintain steady growth. According to the preliminary statistics of Nanning Provident Fund Management Center, in the first half of this year, the total accumulated provident fund in Nanning was about 2.52 billion yuan, up 10.83% year-on-year. The number of employees paid in the city is about 594,000.
In particular, housing provident fund has become one of the main sources of funds for employees to buy houses and repay loans. According to the data, in the first half of the year, employees withdrew provident fund to purchase houses and repay loans1510.80 billion yuan, and accumulated loans165.438+0.8 billion yuan.
In June this year, the biggest highlight of Nanning's new provident fund policy was that the four cities of North and South Qin Fang in Beibu Gulf Economic Zone opened the same city business of individual provident fund loans in different places. The full implementation of the "urbanization" of provident fund loans in four cities in Beibu Gulf means that registered residents in these cities can enjoy the policy of loan urbanization when buying houses in economic zones. According to the statistics of Nanning Housing Provident Fund Center, up to now, the center has accepted four loans from different cities.
The person in charge of the regulation section of Nanning Housing Provident Fund Management Center said that in the plan of urbanization of provident fund, in principle, loans are mainly issued in the place where houses are purchased. Residents of these cities, no matter which city's housing provident fund management center they deposit, can apply for loans from the housing provident fund management center where they buy houses.
Help you calculate an account.
After the wage replacement, how should this part of the money be included in the provident fund base?
Take Mr Wang's total annual salary of 36,000 yuan last year as an example. The average monthly salary in the previous year should be 36,000 yuan12 (month) = 3,000 yuan, which is the base for the monthly payment of employee housing provident fund this year. This year, the deposit ratio of housing provident fund for units and employees in the city remains unchanged, and it is still 12% each. Then, the amount of provident fund he should pay each month this year should be 3000 yuan × 12%=360 yuan, and he should pay 4320 yuan of provident fund this year, plus the public assistance part of the unit, that is to say, the employee can earn 8640 yuan in his personal account of provident fund this year.
(The above answers were published on 20 15-08-05. Please refer to the actual situation for the current purchase policy. )
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