For example, the average monthly salary of employees in the previous year was 3,000 yuan, and the unit contribution ratio was 10%, so the amount of housing accumulation fund paid by employees was 3,000 x10% = 300 yuan.
In addition to the personal contribution of 50%, the unit will also pay 50% for the employees, all of which will be included in the employee's personal account and owned by the employees.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
20 1 1 The Ministry of Housing and Urban-Rural Development, together with other departments, is studying and revising the Regulations on the Management of Housing Provident Funds, and liberalizing the provision that individuals withdraw provident funds to pay housing rent. 20 13 some cities have introduced measures to allow employees suffering from major diseases or their immediate family members to withdraw provident fund for emergency.
20 14 Three departments issued a document to cancel the housing accumulation fund, individual housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, so as to reduce the burden on loan workers. ?
20 15 "regulations on the management of housing provident fund (revised draft for comments)" proposes that the contribution ratio of housing provident fund for employees and units shall not be lower than 5% and higher than 12%. From February 2, 2006 to February 0, 2006, the deposit interest rate of employee housing provident fund account was adjusted to be based on the one-year fixed deposit benchmark interest rate, and the increased interest rate was 1.50%.
From July 20 17 1 7, all housing provident fund management centers across the country will handle the transfer and connection of housing provident fund in different places through the platform according to the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development. All housing provident fund management centers in China will be "networked" and handle the transfer and connection of housing provident fund in different places through a unified platform.
According to incomplete statistics, more than 20 cities such as Beijing, Shanghai, Fuzhou and Guangzhou have been connected to the national housing provident fund transfer and connection platform. On May 5, 20 18, Beijing Housing Provident Fund Management Center issued the Notice on Cancelling the Copy of Identification Materials as a Requirement for Withdrawing Housing Provident Fund and Handling Loan Business.
Extended data?
Conditions for applying for provident fund
1. Individual urban workers and their units must pay the housing accumulation fund continuously for one year.
2. If the borrower purchases a commercial house, it must have self-raised funds of not less than 30% of the total house price as the down payment.
3. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan.
4. If both husband and wife normally pay the housing provident fund in full, only one party is allowed to apply for a housing provident fund loan.
5, a family can only apply for a housing provident fund loan to buy a house at the same time.
6. The lender must have permanent residence or valid residence status in the town of this province (city).
7. Agree to use the purchased house as collateral.
Resource Housing Provident Fund _ Baidu Encyclopedia