The housing accumulation fund ratio in Beijing is 1. The proportion of capital contribution is determined by the company itself. There are two data to be determined for the deposit of the provident fund, one is the deposit base (generally referring to the basic salary) and the other is the deposit proportion (a percentage, the highest is 12%, and the lowest is generally 5%, which is progressive in units of 1%); 2. The deposit ratio is divided into unit ratio and individual ratio. The proportion of companies is uniformly stipulated by the whole unit, and the proportion of individuals is generally the same as that of companies, but individuals can also apply for a higher proportion, but not lower than the proportion of companies; 3. For example, if your basic salary (deposit base) is 2000, and the contribution ratio of companies and individuals is 10%, excluding social security tax, then every month, your salary is only 1800, and 10% will be credited to your provident fund account before the salary is paid, and your company will also be credited to 200 yuan. However, the disposable money is only 1800, and 400 yuan in the provident fund can only apply for reasons such as buying a house or renting a house. Application process: Submitting materials When the borrower applies for a provident fund loan in the management department of the provident fund management center that has paid the provident fund, if he chooses the guarantee center to provide the guarantee, he shall submit all the materials required for the individual to apply for the loan, including the personal and spouse's ID card, household registration book, marriage certificate, divorce certificate, house purchase down payment certificate, house purchase contract, housing provident fund deposit certificate, etc. After the loan application has passed the preliminary examination, the management department will be notified to issue the Notice on the Examination of Guarantee Application, print the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents, and submit the personal loan information to the guarantee center. The examination and approval guarantee center shall examine the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center shall issue an approval letter for the guarantee application; If the borrower entrusts an intermediary agency to handle the provident fund loan, the intermediary agency shall handle the guarantee application procedures and collect the guarantee service fee. (Note: The agency must have the qualification certification of Beijing Housing Provident Fund Management Center and sign a cooperation agreement with the guarantee center. The paying borrower shall pay the guarantee service fee according to the approved Letter of Approval for Guarantee Application. The guarantee center shall issue an invoice for the guarantee service fee, and affix the official seal of the guarantee center on the approved loan contract, mortgage (counter-guarantee) contract, custody contract and other legal documents. The materials are transferred to the audited personal loan application materials (including the sealed contract), and the guarantee center is transferred to the housing provident fund management department; If an intermediary agency is entrusted, the intermediary agency shall be responsible for the transmission of the above information. The housing provident fund management department shall supervise and guide the loan applicants to sign loan contracts, mortgage (counter-guarantee) contracts and other relevant legal documents. The establishment of employee housing provident fund is a measure to promote the reform of housing system in China, aiming at solving the housing difficulties of employees jointly by the state, collectives and individuals. 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 and their employees. According to the regulations, all employees who have paid the provident fund have the right to enjoy such loans and can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.

Legal objectivity:

Notice of the Ministry of Housing and Urban-Rural Development and the Ministry of Finance on Perfecting the Housing Provident Fund Deposit Mechanism and Further Reducing Enterprise Costs

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Continue to continue Beijing's policy of appropriately reducing the proportion of enterprise housing provident fund deposits.

The proportion of housing accumulation fund paid by enterprises in Beijing for employees is determined by enterprises within the range of 5%- 12% according to their own conditions, and the implementation period is April 30, 2020. The newly-built housing provident fund unit shall choose and determine by itself when opening an account;

Units that have built housing provident fund shall make their own decisions when adjusting the annual housing provident fund deposit base every year.