After graduation, many young people will want to develop in some big cities. There are more development opportunities in big cities, especially in big cities such as Beijing and Shanghai. Working in Beijing, they can actually enjoy more benefits, such as provident fund. What is the deposit proportion of provident fund in Beijing? How can the provident fund paid in Beijing buy a house in another place?
1、 What is the deposit proportion of Beijing Provident Fund
1. The deposit proportion of administrative institutions in Beijing is 12%; The annual payment and deposit proportion of housing provident fund of enterprises in Beijing is adjusted to 5% - 12%; The enterprise may, according to its own economic situation, determine the specific deposit proportion within the specified range after discussion and approval by the staff and workers' Congress, staff and workers' Congress or trade union of the unit. The deposit ratio of other units is 12%.
2. According to the calculation of the average monthly salary of Beijing employees in 2016 published by Beijing Municipal Bureau of human resources and social security and Beijing Municipal Bureau of statistics, the upper limit of the annual deposit base of housing provident fund in 2017 is 23118 yuan; The maximum monthly deposit is 5548 yuan, and the maximum monthly deposit of employees and units is 2774 yuan. In principle, it is not allowed to exceed the housing provident fund deposit base and the upper limit of monthly deposit.
3. The deposit base (salary) of employees shall be verified and approved in accordance with the requirements of the document on conscientiously implementing the provisions on the composition of total wages (Tong Zhi Zi [1990] No. 1) and the notice on issues related to the calculation and withdrawal of the base of employee housing accumulation fund (Jing CAI er [2001] No. 1227). The deposit base is adjusted once a year and will not be adjusted during the year.
2、 How to buy a house in a different place for the provident fund paid in Beijing
1. Because the loan business in different cities is different, employees should consult the provident fund management in their city for the loan business in different places, and the provident fund management should inform the materials to be reviewed for the loan at one time.
2. The employee himself or his client shall apply to pay the urban provident fund, and the urban provident fund shall be paid. According to the employee's application, the loan paid by the employee shall be verified. For the paid employee who has not used the housing provident fund personal housing loan or the first housing provident fund personal housing loan has been settled, the certificate for the payment and use of housing provident fund for employees with loans from other places shall be issued.
3. The provident fund of the loan city shall verify the authenticity and integrity of the information in the certificate for the payment and use of housing provident fund for employees with loans from other places with the deposited urban provident fund after accepting the application for loans from other places. If it is verified to be correct, it shall perform the loan review and approval procedures within the specified time limit, and feed back the results to the deposited urban provident fund.
4. If the individual account of the housing provident fund is transferred during the loan repayment period of the deposited employees, the original urban provident fund shall be informed of the loan urban provident fund and transferred to the urban provident fund in time. After receiving the employee's housing accumulation fund account, the transferred urban accumulation fund shall re identify and record the loans in other places in time.