New deal adjustment:
Cancel the comprehensive social security plan of the original provident fund A, B and C; Set up two comprehensive social security plans (A and B) of social insurance (provident fund) in the park; Add the housing provident fund system in the park.
Comprehensive protection plan
(1) The proportion of individual contributions decreased, and the net salary income increased;
② Social insurance benefits remain basically unchanged, while the amount of medical personal account increases;
Pension, medical care, maternity, unemployment and work injury benefits are the same as those in Suzhou city;
③ Improvement of housing security welfare.
You can go to Suzhou market to buy a house; The rental reimbursement rate increased from about 7.2% to16%;
The amortization of employees who have used the original provident fund account to purchase houses is not affected, and unused employees can choose more concessions.
Category B Comprehensive Protection Scheme
(1) The proportion of individual contributions decreased, and the net salary income increased;
(2) The social insurance benefits are basically unchanged, and the amount of medical personal accounts has increased (the original Class C members have increased their medical personal accounts);
Pension, medical care, maternity, unemployment and work injury benefits are the same as those in Suzhou city.
(3) the improvement of housing security benefits (referring to those who pay housing provident fund separately);
You can go to Suzhou market to buy a house; The extractable rental ratio is16%;
Those who meet the prescribed conditions can enjoy preferential interest rates for housing provident fund loans.
Adjustment principle: new and old account management mode
Adjustment principle: old account for the elderly, new account for the elderly, new account for newcomers, and management mode of new and old accounts.
Old people always settle accounts.
The old accounts of the former provident fund members are handled according to the old method, and rural personnel who are not registered in Suzhou are still allowed to "transfer households to households".
Transitional measures for new accounts for the elderly
The accounts newly paid by the original provident fund members are handled according to the transitional method, and the amortization of individual house purchases is not affected, and the social insurance benefits are basically unchanged.
New methods for new customers
The new accounts of newly insured employees are handled in full accordance with the new measures, and the national unified system model of "social insurance+housing provident fund system" is implemented.
Reasons for adjustment: the main problems existing in the current park provident fund system.
1 transfer problem
Due to the system characteristics of "pre-accumulation and vertical balance", the public accumulation fund in the park has long been poorly connected with the social security system outside the park, especially the introduction of the new national social security transfer and connection policy at the end of 2009, which further aggravated the dissatisfaction of members.
2 purchase problem
At present, the common account of provident fund can only be used to buy houses in the park, and it cannot enjoy preferential interest rates. The majority of members have always reacted strongly.
3 property rights issues
The current provident fund system has unclear property rights in account setting, especially when it violates personal property rights when handling relationship transfer and one-time withdrawal of personal accounts, and members have always reacted strongly.
(Note: This article is for reference only. Please give priority to the specific policies and regulations issued by the competent authorities. )
Adjustment type:
Type 1: the original provident fund was changed from Class A to Class A of the New Deal.
1 Did not use the original provident fund account to buy a house.
Option 1: Use the original common provident fund account (36%).
(1) You can choose to withdraw the original general special account and housing account or amortize it monthly according to the aging regulations;
(2) Use the housing account (65,438+06%) and borrow the amount recorded in the special supplementary account (65,438+04%) and the pension supplementary account (6%) to repay the loan.
Option 2: Only use the housing part of the original common provident fund account and the housing account of the new account.
(1) only used the housing part of the original common provident fund account (about 10.5 percentage point);
The housing account in the new account can be withdrawn or amortized monthly;
(2) According to the Measures for the Administration of Housing Provident Fund in Suzhou Industrial Park, you can enjoy the preferential interest rate loan policy of housing provident fund, and you can repay the monthly amount (16%) in the housing provident fund account or withdraw it twice a year.
2 have used the original provident fund account to buy a house.
Situation 1: employees who are using provident fund for amortization (amortization is not affected)
Before the New Deal: General Account (36%)
After the New Deal: housing account (16%)+ special supplementary account (14%)+ pension supplementary account (6%)=36%.
Case 2: the first mortgage has been paid off, and the second time I bought a house with the provident fund account.
(1) The source of affordable housing has been expanded to Suzhou;
(2) If there is a balance in the ordinary account of the original provident fund, it can be withdrawn or amortized at one time according to the age; The balance stored in the housing account in the new account can be withdrawn or amortized;
(3) Use the housing account (16%) and borrow the funds credited to the special account (14%) and the supplementary pension account (6%) to repay the loan.
Type 2: the original provident fund A is converted into New Deal B (housing provident fund payment).
1, the original provident fund account was not used to buy a house.
(1) You can withdraw the housing part (about 10.5 percentage point) and the amount of the housing provident fund account from the original common provident fund account at one time;
(2) You can enjoy preferential loan interest rate according to the Measures for the Administration of Housing Provident Fund in Suzhou Industrial Park;
(3) The monthly credit line in the available housing provident fund account (16%) can be used for monthly repayment or withdrawal twice a year.
2. The original provident fund account has been used to purchase houses.
Those who fully meet the specified conditions can enjoy preferential loan interest rate according to the Measures for the Administration of Housing Provident Fund in Suzhou Industrial Park, and make monthly repayment or withdraw twice a year based on the amount recorded in the housing provident fund account (16%).
Category III: New Insured Persons (Category B+Housing Provident Fund)
(1) You can buy a house in Suzhou;
(2) You can enjoy preferential loan interest rate according to the Measures for the Administration of Housing Provident Fund in Suzhou Industrial Park;
(3) The monthly credit line in the available housing provident fund account (16%) can be used for monthly repayment or withdrawal twice a year.
(Note: This article is for reference only. Please give priority to the specific policies and regulations issued by the competent authorities. )
Detailed Rules for the Implementation of Social Insurance (Provident Fund) Housing Security in Suzhou Industrial Park
1 transfer and withdrawal
Scope of procurement: expand the market scope of Suzhou Park.
3. Rental ratio: about 7.2% increase 16%.
Comparison between the proportion of provident fund accounts in the park and Suzhou urban area
Suzhou urban social security
The total payment ratio is 45%
Unit: 34%
Individual: 1 1%
34% of the total account-social insurance.
Personal account 1 1%+ housing accumulation fund (16%-24%)
Park accumulation fund
Total payment ratio: 44.2%
Unit: 22.2%
Individuals: 22%
The overall proportion is 4.2%
Personal account 40% (including pension, medical care and housing) (compulsory savings)
Comparison Table between Park Provident Fund Plan and Urban Payment Proportion
(Note: This article is for reference only. Please give priority to the specific policies and regulations issued by the competent authorities. It is suggested that you go to the central hall or relevant units to understand the relevant policies according to your own situation before making a decision. )
Social security in Kunshan can be transferred to Suzhou Park.
I worked in Suzhou for nearly four years yesterday. To tell the truth, the salary of being a student administrator is too low for ordinary workers to get. Just visit Suzhou talent market. There are many enrollment managers, and around 4000 is no problem.
My humble opinion, please think twice. . . Hmm. How interesting