Question 2: How is the ratio of housing provident fund to wages calculated? If the housing accumulation fund accounts for 8% of wages, it means the total amount, that is, individuals and units add up to 8% of wages.
If it is clearly stated that the individual bears 8% of the salary, then the individual = unit = salary *8%.
At present, Beijing has 6% individuals and 6% units, totaling 12%.
Question 3: How to calculate the individual's monthly housing provident fund contribution ratio According to the provident fund management regulations, the ratio is 5%~ 12%, and then local policies can be formulated within this range. The prefecture-level city where I am located stipulates that it is 8%~ 12%. The payment base is the average monthly salary of employees in the previous year.
Question 4: How to calculate the housing provident fund standard? The provident fund consists of two parts, the company and the individual, which are calculated according to the base and proportion respectively. New employees generally take the basic salary as the base of social security and provident fund; Usually, a unit will have a fixed proportion. Individual workers can choose the proportion they want, but it is generally not allowed to be lower than the unit proportion.
For example:
The basic salary is 8,000 yuan, the unit proportion is 8%, and the individual is 8%- 12% (generally, 12% is the upper limit of tax exemption, which can be exceeded in many places, but the excess is included in the personal salary for tax payment, and it is not recommended to exceed 12%).
Then your monthly provident fund should be: (8000*8%)+(8000* 12%).
I hope it answered your question perfectly.
Question 5: How to calculate the contribution ratio of employee housing provident fund;
The basic deposit ratio of housing provident fund is: unit 12%, individual 9%, and the maximum deposit ratio of housing provident fund for both units and employees does not exceed12%; Each deposit unit may, according to its own production and operation, appropriately reduce the deposit ratio of housing provident fund in stages, but the minimum deposit ratio shall not be less than 5%.
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
Newly established units shall, in accordance with the provisions, open accounts in time and pay housing provident fund for employees in full and on time. Your unit shall, within 30 days from the date of its establishment, handle the registration of housing provident fund deposit with relevant materials at the collection window of each management office under the Municipal Housing Provident Fund Management Center.
The requirements for opening an account of the company are as follows: 1, and the registration form for the remittance and payment of housing accumulation fund of municipal units 1 copy; 2. Original and photocopy of the organization code certificate (stamped with the official seal of the unit); 3, the party and government organs, institutions, social organizations or private non enterprise units issued by the unit establishment approval documents or legal person certificate and a copy of the original (stamped with the official seal of the unit); The original and photocopy of the business license issued by the enterprise (stamped with the official seal of the unit); 4. Two signature cards have been reserved.
Question 6: How is the housing provident fund deducted from wages? What's the ratio? After deducting 12% of the monthly salary, the company will also bear 12%.
For example, if the salary is 3,000, 360 will be deducted from the salary every month, and the company will also give you 360.
Question 7: The calculation of housing provident fund is based on 12% of your average salary last year, that is, 12% of your average salary last year is paid by individuals. If the company pays 12% again, the money paid into your account will be doubled, and the amount deducted from your salary slip will be doubled into your provident fund account.
For example, if you spend 3000 yuan a month, that is, 3000 * 12 * 2 = 720 yuan, 720 yuan will be credited to your account every month, and 360 yuan will be deducted from your personal salary.
hope this helps
Question 8: How to calculate the loan amount of housing provident fund? To apply for provident fund loans, the applicant must deposit the provident fund for 12 months continuously, and the deposit status of the provident fund is normal when applying for provident fund loans (loans overdue for more than 1 month will not be accepted).
The maximum loan amount of commercial housing shall not exceed 70% of the total house price, and the maximum loan amount of second-hand housing shall not exceed 60% of the deed tax unit price.
The formula for calculating the personal loan amount of provident fund: (the amount paid in the current month × the total number of months from the current retirement age+the current balance of the provident fund account) × 2; Legal retirement age: female 55 years old; Male 60 years old. The longest loan period is 25 years.
* Note (This formula is applicable to the direct calculation of users who purchase first-hand properties. For second-hand real estate, due to the consideration of the evaluation price, transaction price and deed tax price of the house, the specific loan amount can only be answered after the provident fund center reviews the information).
At present, the maximum amount of housing provident fund varies from place to place. Ask where the house was purchased from the housing provident fund center.
Question 9: How to calculate the deposit base and proportion of housing provident fund? 1, calculation method
Employee housing provident fund monthly deposit = employee individual housing provident fund monthly deposit+unit housing provident fund monthly deposit.
Employee individual housing provident fund monthly deposit amount = employee housing provident fund monthly deposit base × employee housing provident fund deposit ratio
Monthly deposit amount of housing provident fund paid by the unit = monthly deposit base of employee housing provident fund × deposit ratio of unit housing provident fund.
The monthly deposit of employee housing provident fund shall be rounded to RMB. 2. Deposit base
Monthly deposit base of employee housing provident fund = total wages of employees in the previous year12.
The calculation caliber of total wages is based on the Provisions on the Composition of Total Wages issued by the National Bureau of Statistics (Guo Tong Zi [1990] 1No.), including hourly wages, piece-rate wages, bonuses, allowances and subsidies, overtime wages and wages paid under special circumstances.
The deposit base of new employees or newly transferred employees in that year is the employee's total salary in the first month.
3. Deposit ratio
Question 10: How is the housing accumulation fund calculated? Pre-tax monthly salary × 10% to 12% × 2 (unit+individual), for example, pre-tax monthly salary is 5,000, and the accumulation fund rate is 10%, so the monthly accumulation fund is = 5,000 ×/kloc-0% × 2 =/kloc-0.