I believe we all know how high the house price in Beijing is. If outsiders want to buy a house in Beijing, they can't buy it with money. However, for people born and raised in Beijing, it seems inevitable to buy a house and settle down. In fact, Beijing still has many preferential policies for house purchase, such as provident fund deposit. What's the proportion of provident fund deposit in Beijing?
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、 What are the regulations for the second suite of Beijing Provident Fund
1. According to the adjusted recognition standard for two sets of housing loans of provident fund, as long as the per capita area of houses under the current name of buyers does not exceed 28.81 square meters, they can obtain loans. The houses that have been sold before are not included in the statistical scope, and the houses purchased in other places are not included.
2. Beijing Provident Fund issued detailed rules for the implementation of the "second suite" provident fund loan policy issued by the Ministry of housing and urban rural development: the individual loan recipients of provident fund for the purchase of second suites in Beijing are limited to the purchase of ordinary self occupied housing to improve living conditions, Moreover, the existing per capita housing construction area is lower than the paid employee families of the per capita housing construction area of urban residents of 28.81 square meters announced in real time by the Municipal Bureau of statistics.
3. In terms of the identification of the second house loan, the principle of "recognizing the house and recognizing the loan" is adopted. Even if the depositor has sold the house with an area exceeding the standard and wants to use the provident fund loan to buy the second house, the loan will also be refused, that is, the construction area of the first house of a family of three cannot be higher than 86.43 square meters. If it exceeds the standard, even if the original house is sold, Provident fund loans cannot be used when purchasing houses with improved needs.