1. What is the minimum base for Shanghai to pay the provident fund? The minimum base of Shanghai's housing accumulation fund and supplementary housing accumulation fund in 2020 shall not be less than 2,480 yuan, and the maximum shall not exceed 280 17 yuan. Each unit calculates the average monthly salary of employees according to the caliber of Shanghai Statistics Bureau, and takes the average monthly salary of employees as the deposit base of employee housing provident fund, and verifies the monthly deposit amount of housing provident fund. Second, how to borrow the provident fund (I) loan conditions The loan applicant must meet the following conditions at the same time: 1, employees with permanent residence in cities and towns or valid proof of residence; 2. At the time of application, the housing provident fund has been normally deposited in the provident fund center for more than 6 consecutive months, and the provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of provident fund loans; 3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than the proportion of the value of the purchased housing; 4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit; 5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor; 6, other conditions stipulated by the provident fund center. (II) Loan Process First-hand housing loan process: the borrower submits personal application materials at the entrusted bank window in the loan service hall-the entrusted bank accepts and examines them-the center approves them-the guarantee company handles the guarantee procedures and issues a guarantee letter of commitment-the borrower signs a loan contract at the bank with the guarantee letter of commitment-and the borrower handles the entrusted notarization procedures. Second-hand housing loan process: the buyer and the seller submit application materials to the entrusted bank window in the loan service hall-entrust the bank to accept, conduct preliminary examination-evaluate the company's inspection and issue an evaluation report-entrust the bank to review-central approval-the borrower signs a loan contract at the bank-the buyer and the seller go through the formalities of property right transfer-and the borrower receives new property rights. (3) Loan materials 1, original and six copies of the second-generation ID card or military officer's card. 2. Original and 6 copies of the household registration book (home page and applicant's home page). 3. The original marriage certificate (marriage certificate, divorce certificate, single statement on the spot) and 6 copies. 4. Two originals (three originals are required for suburban property) and three copies of the filing form stamped by the developer. 5. Two originals and two copies of the house purchase contract. 6. Two originals and two copies of the annex or supplementary agreement to the house purchase contract. 7. Original and 3 copies of down payment receipt and credit card POS or cash receipt. 8. The original and 1 copy of the borrower's family housing registration record information certificate (employees applying for loans in urban areas can print 2 copies of the family housing registration record query results at the consultation counter of the urban management department). 9. Provide a set of original advance notice registration procedures with fresh seal (not allowed to be altered) to the developer. 10, entrusted deduction (repayment) account: the original and 1 copy of the savings card or passbook of the loan handling bank selected by the main borrower. 1 1, proof of income: customers who have not paid the housing provident fund should provide the original proof of income (which can be downloaded from the center website) and three copies; Among them, customers with a monthly income of more than 3,500 need to provide the original and 3 copies of bank running water or tax payment certificate 1 year. 12. proof of deposit: employees who have paid the provident fund in provincial sub-centers and petroleum sub-centers must provide the original deposit details and proof of deposit (deposit inquiry form) and 1 copy of their housing provident fund accounts in the past six months, and the housing provident fund accounts should be in a normal state. 13, other relevant information required by the provident fund management center. Three. Conditions for withdrawal of provident fund If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's housing provident fund account: (1) purchasing, building, renovating or overhauling his own house; (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; (seven) to terminate the labor relationship with the unit and move the account out of the city; (eight) the termination of labor relations between employees and units that are not registered in this Municipality, and they are not employed in this Municipality and leave this Municipality; (nine) employees who enjoy the urban minimum living guarantee; (ten) some employees lose their ability to work, causing serious difficulties in life; (eleven) the employee himself, his spouse, parents and children suffer from special diseases stipulated by the Labor and Social Security Department of Fujian Province (see the "departmental documents" column of the website of the Provident Fund Center for details), which causes serious difficulties in family life. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund. If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Legal objectivity:

Notice on adjusting the deposit base, proportion and monthly deposit limit of Shanghai housing provident fund in 2020

first

Each unit calculates the average monthly salary of employees according to the caliber of Shanghai Statistics Bureau, and takes the average monthly salary of employees as the deposit base of employee housing provident fund, and verifies the monthly deposit amount of housing provident fund. All units shall, within one month after verifying the monthly deposit amount of employee housing provident fund, inform the employee himself of the verification and safeguard the legitimate rights and interests of the employee.

The maximum deposit base of housing provident fund and supplementary housing provident fund shall not exceed 280 17 yuan, and the minimum shall not be less than 2,480 yuan.