1, and the housing provident fund deposit ratio is 9000 at the highest and 240 at the lowest;
2. According to the relevant laws and regulations of the state, there are strict regulations on the proportion of the staff of state organs to pay the provident fund, which is actually not outrageous. For example, a bureau-level cadre in a central province has a monthly provident fund of 3,000 yuan;
3. Employees of enterprises and institutions have nearly 1000 yuan of provident fund deposit card every month, and with the unit subsidy of 1000 yuan, they have nearly 2,000 yuan of provident fund every month.
The minimum payment base of provident fund is
1, the monthly contribution of housing provident fund = the average monthly salary of employees in the previous year multiplied by the contribution ratio of employee housing provident fund (calculated to yuan, rounded below yuan)+the average monthly salary of employees in the previous year multiplied by the contribution ratio of unit housing provident fund (calculated to yuan, rounded below yuan). The average monthly salary of employees is 2978 yuan, so the monthly contribution of housing provident fund is 2978 * 7%+2978 * 7% = 208+208 = 416 yuan;
2. Set the upper and lower limits of the monthly deposit of housing provident fund. If the monthly deposit calculated according to the above formula is within the prescribed upper and lower limits, it shall be determined according to the facts; Exceeding the upper limit or failing to reach the lower limit can only be calculated according to the upper limit or lower limit. The upper limit of monthly deposit of housing provident fund is 1820 yuan, and the lower limit is 180 yuan. If the average monthly salary of employees is 1.5 million yuan, the monthly contribution of housing provident fund shall be calculated according to the contribution ratio = 1.5 million * 7%+ 1.5 million * 7% = 2 1.5 million. Since 2 100 yuan exceeds 1820 yuan, the actual monthly contribution of housing provident fund should be 1820 yuan.
The purpose of the Provident Fund is to
1. If you apply for a provident fund loan to buy a house, you can withdraw the provident fund to repay the principal and interest;
2. To apply for a commercial loan to buy a house, you can withdraw the provident fund as the down payment for buying a house, or you can withdraw the provident fund to repay the principal and interest;
3. If you don't need a loan in the process of buying a house, you can also take out the provident fund at one time;
4. If you apply for a provident fund housing loan to buy a house for self-occupation, you can withdraw your parents' provident fund to repay the principal and interest;
5. If you apply for a commercial loan to buy a house for self-occupation, you can withdraw your parents' provident fund as a down payment;
6. If family members (not limited to employees themselves) suffer from serious diseases, employees themselves and their spouses may apply for withdrawal of provident fund;
legal ground
Regulations on the administration of housing provident fund
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.