4hw.com.cn: since July, many places across the country will adjust the base, proportion and limit of housing accumulation fund. After so many years of accumulation fund, do you know how to use the accumulation fund? How will the adjusted accumulation fund change? How to query?
From July 1 of each year, all parts of the country can adjust the base, proportion and monthly limit of housing accumulation fund. Recently, Beijing, Tianjin, Nanjing, Wuhan, Fuzhou and other cities announced the adjustment on July 1. This year, how to adjust the base of your housing accumulation fund? How much? Is there a ceiling? Where to check after adjustment? Take you to know.
How to adjust the deposit base?
From July 1 of the previous year to June 30 of this year, the housing fund is adjusted as an annual unit. Adjust your contribution base of provident fund according to the change of your average monthly salary in the previous year.
What is the deposit ratio?
The proportion of the employees and the unit's housing accumulation fund shall not be less than 5% of the average monthly wage of the previous year, and the maximum shall not exceed 12%.
What is the maximum amount of deposit?
The monthly wage base of the housing accumulation fund shall not be higher than three times of the average monthly wage of the employees in the previous year published by the Statistics Department of the city divided into districts where the employees work.
How to query whether it has been adjusted?
1. Outlet inquiry
Take ID card and other related documents, go to the service hall of the local housing fund management center to ask the staff for help, or through the inquiry machine in the hall.
2. Website query
Enter the official website or app of the local provident fund management center, and log in to the personal provident fund account.
3. Hotline inquiry
The housing fund hotline is 12329. It's a local fixed telephone number. For long-distance calls, you need to dial the long-distance area code before the number, and there is no information service charge.
There may be new changes in your provident fund since July
What are the uses of provident fund
1, buy a house
The main purpose of provident fund is to buy houses. When you purchase the real estate, you can directly withdraw the original provident fund, and then deposit the provident fund to repay the house loan. Specific amount and interest rate can refer to local loan policies, or consult local provident fund management department and unit personnel department, etc.
2, renting
For many people, especially in hot cities such as Beijing, Shanghai, Guangzhou and Shenzhen, the pressure of rent is not small. And with the rising of house price, the rent is also rising, and it's not a small amount all year round.
Renters can apply for provident fund to pay rent and reduce their life pressure. Provident fund can not only pay the rent of economic rental housing with rent matching or government rent subsidy, but also pay the rent of market rental housing, so that you can no longer worry about the rent!
3, decoration
Housing provident fund can also be used when we decorate, which many people may not know, you can apply for and consult in the housing provident fund office in various regions. Even if you can't buy a new house at present and decorate the existing house, you will feel like living in a new house.
And now the cost of decoration is not low, with the accumulation fund will reduce a large part of the expenditure, while improving the quality of housing, but also as far as possible do not affect the existing quality of life. For the construction, renovation and overhaul of self owned houses on rural collective land and the use of housing loans, the employees and their spouses may apply for the withdrawal of the amount of the accumulation fund before the month when the building of houses is approved, and the total withdrawal shall not exceed the cost of building houses.
4. Pay for medical expenses
In addition, accidents are inevitable in life. If the living family members suffer from major diseases or need major surgery for hospitalization, they and their spouses can apply for withdrawal of provident fund to pay for medical expenses within one year from the date of hospitalization.
Therefore, under the dual guarantee of medical insurance and accumulation fund, the burden of medical expenses has been greatly reduced.