1. How to charge for providing provident fund agency services

1. Register employees with the human resources company to pay on their behalf. The fee is 50 yuan per employee per month. The advantage of this method is that it saves time and effort. The company does not need to provide information to go through the account opening procedures. Payment can start immediately after the entrustment is successful. The disadvantage is that the paying company is not the original company, but a human resources company affiliated with the agency. 2. The fee for hosting your company’s provident fund account is also 50 yuan per person. For less than 10 people, the fee is 500 yuan per month. The advantage is that you can use your own provident fund account and do not need to hire a provident fund specialist. The disadvantage is that you need to go through the account opening procedures yourself. If the company has less than 10 people, it will be more expensive than paying on behalf of others. 3. The fee for opening an account is 1,000 yuan per account. It is more suitable to purchase together with the second type of custody. You do not need to go through the complicated account opening process yourself and entrust an agent throughout the process. The disadvantage is that the cost will be higher, and opening a provident fund account requires certain requirements for the size of the company, and a certain number of employees need to pay social security at the same time. 1. How to stipulate various fee standards for providing provident fund loans? 1. Insurance or guarantee fees: Pure provident fund loans are: loan amount × corresponding rate × loan term. Combined loans are: total house payment × corresponding rate × loan term. 2. Deed tax: total house price : Pure provident fund loan is 80 yuan, combined loan is 90 yuan; Note: If the property rights are limited, an additional 10 yuan will be added; 5. Agency fee: Pure provident fund loan is 200 yuan, combined loan is 250 yuan; 6. Maintenance fund: construction area Maintenance fund, surveying fee; 2. Existing house: insurance or guarantee fee, mortgage registration fee, cost of construction fee; 3. Second-hand house: insurance or guarantee fee, mortgage registration fee, cost of construction fee, agency fee; 4. House without property rights: insurance Or guarantee fee, mortgage registration fee, cost of construction fee, agency fee; 5. Auction house (property rights have been processed): insurance or guarantee fee, mortgage registration fee, cost of construction fee, agency fee. 3. This definition of housing provident fund includes the following five aspects: (1) Housing provident fund is only established in cities and towns, and no housing provident fund system is established in rural areas. (2) The housing provident fund system is established only for current employees. The housing provident fund system is not applicable to unemployed urban residents, and the housing provident fund system is not applicable to retired employees. (3) The housing provident fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the individual employee. After the employee's personal deposit is withheld by the unit, it is paid together with the unit's deposit to the individual housing provident fund. within the account. According to the law, employees who have paid housing provident funds in accordance with Article 26 of the "Regulations on the Administration of Housing Provident Funds" may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center.

2. How do companies that pay provident funds generally charge fees?

Generally, when you work in a company, the company pays the provident fund. In fact, the company pays part of the monthly provident fund fee, and the individual has to pay it from his salary. Deduct some more. Take Wuhan City as an example. Different companies have different payment ratios to provident fund accounts. Some pay 8, while others pay 12. For example, your company pays 8%, which is based on the provident fund payment base. The company pays 8%, and individuals also pay 8%. A total of 16% of the base amount is paid into your personal provident fund account. So if you pay the provident fund on your behalf, you need to bear the part paid by the company and the individual yourself. In addition to provident fund fees, there is also a certain service fee required for payment on behalf of others. Taking Wuhan Phalanx Financial Insurance Network as an example, the longer the payment time is, the cheaper the service fee will be.

If you want to get a large provident fund loan, you usually have to pay it for about 2 years. The service fee paid by Fangzhen Jinbao.com for more than 12 months is 60 yuan per month, 720 yuan per year.

"Housing Provident Fund Management Regulations"

Article 16 The monthly payment and deposit amount of employees' housing provident fund is the employee's average monthly salary in the previous year multiplied by the employee housing provident fund contribution ratio. The monthly payment and deposit amount of the housing provident fund paid by the unit for its employees is the employee's average monthly salary in the previous year multiplied by the unit's housing provident fund payment and deposit ratio.

Article 18 The contribution ratio of employees and units to the housing provident fund shall not be less than 5% of the average monthly salary of employees in the previous year; in cities with conditions, the contribution ratio may be appropriately increased. The specific contribution ratio shall be formulated by the Housing Provident Fund Management Committee, and shall be submitted to the people's government of the province, autonomous region, or municipality directly under the Central Government for approval after review by the people's government at the same level.

3. How to charge provident fund service fees?

How do companies that pay provident funds generally charge fees?

1.

If you charge a membership fee to become a member, you will get a discount on the monthly service fee of the member. After signing the contract The service fee is settled in one go and the monthly payment is paid monthly;

2.

The monthly service fee is determined based on the contract payment period. For example, some payment agencies start in March. , the monthly service fee is 100 yuan, 80 yuan from April to June, and 60 yuan for more than 6 months. The service fee is also settled in one time, and there are no additional charges in the future. The monthly payment is paid monthly;

3.

Similar to the ultra-low price of 9.9 yuan, with the promise of low-cost service fees.

4. How much does it cost to apply for a provident fund loan?

Applying for a housing provident fund loan mainly involves two fees: 1. Assessment fee. If the house purchased by the borrower is a commercial house, a second-hand house or other houses that need to be evaluated as determined by the loan acceptance agency, the borrower must provide a "House Appraisal Report" issued by a qualified appraisal agency recognized by the management center, and pay an appraisal fee to the appraisal agency. The charging standards and basis are as follows: Charging basis: Beijing Price (Fang) Zi [1997] No. 398 issued by Beijing Municipal Price Bureau and Beijing Municipal Housing and Land Administration Bureau. Charging standard: The assessment fee is charged at 3‰ of the assessed value of the mortgage, with a minimum fee of 300 yuan and a maximum fee of 1,500 yuan. 2. Guarantee service fee. Borrowing applicants applying for housing provident fund loans must provide a guarantee approved by the management center. At present, it mainly provides joint liability guarantee guarantees and other guarantee methods (mortgage guarantees, pledge guarantees, etc.) for the Beijing Housing Loan Guarantee Center. If the guarantee is provided by the guarantee center, the guarantee service fee shall be paid to the guarantee center. According to Jingfang Guanzi [2009] No. 1 document, starting from March 9, 2009, the guarantee service fee standard will be adjusted to be charged at 3‰ of the loan amount (the minimum fee is 300 yuan).