According to the regulations on the administration of the housing accumulation fund, the monthly deposit of the employees housing accumulation fund is the average monthly salary of the employee in the previous year multiplied by the deposit proportion of the employees housing accumulation fund. The monthly deposit amount of the housing accumulation fund paid by the unit for the employees is the average monthly salary of the employee in the previous year multiplied by the deposit proportion of the housing accumulation fund of the unit.
The proportion of the employees and the units housing accumulation fund shall not be less than 5% of the average monthly salary of the employees in the previous year; in cities where conditions permit, the proportion may be increased appropriately.
The housing accumulation fund paid and deposited by employees shall be withheld and remitted from their salaries by the unit they work for each month. If a unit fails to pay or underpays the housing provident fund within the time limit in violation of the regulations, the housing provident fund management center shall order it to pay within a time limit; if it still fails to pay within the time limit, it may apply to the peoples court for compulsory execution.
From the perspective of regulations, the housing accumulation fund is closely related to the average wage of employees in the previous year. With the change of wage, the accumulation fund will be adjusted accordingly. In other words, if you raise your salary in 2019, if the deposit proportion is the same, the accumulation fund paid by yourself and your company will be more. With this years salary unchanged and the implementation of the new deposit plan, there will be less wages.
According to the data of the National Bureau of statistics, the average wage of urban employees in 2019 is 90501 yuan, an increase of 9.81% over 2018. From the perspective of the plan that has been issued, raising the upper limit of provident fund deposit base has become a consistent operation, but there are obvious differences in the amount of adjustment in different regions. For example, the increase in Kunming and Taizhou is more than 3000 yuan, while that in Shijiazhuang, Handan and Jilin is less than 1000 yuan.
Kunming: increase the upper limit by 3453 yuan
In 2020, the upper limit of the payment base of the units employees housing accumulation fund is 23516 yuan, an increase of 3453 yuan over the previous year. The lower limit is 1670 yuan for class I area and 1500 yuan for class II area, which is the same as that of the previous year.
Harbin: the upper limit is increased by 2650 yuan
In 2020, the upper limit of the base of housing accumulation fund payment is 20596 yuan, and the upper limit of monthly payment is 4944 yuan, an increase of 2650 yuan and 638 yuan respectively compared with the previous year. The lower limit standard has not been adjusted since 2017, and it is divided into three levels: the first level: 1680 yuan in Harbin urban area (excluding Hulan District, Acheng District and Shuangcheng District); the second level: 1450 yuan in Hulan District and Acheng District of Harbin; the third level: 1270 yuan in Shuangcheng District of Harbin.
Chongqing: upper limit increased by 1988 yuan
It is set that the upper limit of monthly deposit base of housing accumulation fund in 2020 is 21658 yuan, an increase of 1591 yuan over the previous year. The lower limit is 1810 yuan, an increase of 130 yuan.
Nanchang: the upper limit is increased by 1450 yuan
In 2020, the payment base of housing accumulation fund shall not be higher than 22118 yuan, an increase of 1450 yuan over the previous year. The upper limit of monthly deposit is 5308 yuan (including two parts of unit and individual), and the lower limit is 260 yuan (including two parts of unit and individual), which is 348 yuan higher and the same compared with the previous year.
Urumqi: the upper limit is increased by 1253 yuan
In 2020, the upper limit of the base of housing provident fund payment is 17852 yuan per month, and the upper limit of the monthly payment calculated by the 12% payment proportion of the employees themselves and the units is 4284 yuan, an increase of 1253 yuan and 300 yuan respectively compared with the previous year. The lower limit is 1620 yuan. The lower limit of monthly deposit calculated by 5% of the deposit ratio of the employee and the unit is 162 yuan, which is the same as that of the previous year.
In 2020, the maximum base of housing accumulation fund is 19245 yuan, and the minimum is 3849 yuan. Compared with the previous year, they increased by 769 yuan and 154 yuan respectively.
Jilin: the upper limit increased by 621.5 yuan
Over 100 billion yuan of housing fund in 7 provinces
Recently, the Ministry of housing and urban rural development, the Ministry of Finance and the Central Bank jointly released the 2019 annual report of the national housing fund (hereinafter referred to as the annual report), which disclosed the operation of the national housing fund in 2019.
According to the annual report, in 2019, the deposit of housing fund was 2370967 million yuan, the withdrawal was 1628.178 billion yuan, and the individual housing loan was 1213.906 billion yuan; by the end of 2019, the accumulated deposit of housing fund was 16960766 million yuan, the deposit balance was 6537.243 billion yuan, and the balance fund was 946.152 billion yuan, an increase of 16.25%, 12.84% and 17.93% compared with the end of the previous year; by the end of 2019, the housing reserve was The accumulative total withdrawal of gold is 1042.3523 billion yuan, accounting for 61.46% of the accumulative total deposit.
According to the annual report, in 2019, there were 148.8138 million paid in employees of housing provident fund, an increase of 3.08% over the previous year; 56.4856 million people were withdrawn from housing provident fund, accounting for 37.96% of the paid in employees; 162.8178 billion yuan was withdrawn, an increase of 10.46% over the previous year; the extraction rate was 68.67%, a decrease of 1.34 percentage points over the previous year.
How to query accumulation fund deposit and payment records?
Take Beijing as an example, the depositor who has applied for the joint name card of housing fund can go through the Beijing housing fund networkuff08 gjj.beijing.gov .cn), Beijing provident fund APP, Beijing Tong APP, Beijing provident fund WeChat official account, 12329 housing provident fund hotline, Alipay APP, joint card issuing bank self help enquiry machine, housing provident fund business counter (management department or trustee bank) Agency), Beijing municipal government service networkuff08 banshi.beijing.gov . CN), China government service platformuff08 www.gjzwfw.gov.cn uff09Etc. ten ways to query the name, account number, deposit amount, withdrawal amount, etc. The depositor who fails to handle the joint fund of the housing provident fund can be inquired through four ways: Beijing Tong APP, Alipay APP, housing provident fund business counters (management department or entrusted bank agent), and China government service platform. Source: Zhong Qiming, editor in charge of cctv.com_ NF5619