The deposit base of provident fund refers to the average salary of employees in the previous year (natural year), including post salary, grade salary, hourly salary, piece-rate salary, post salary, performance salary, bonuses, allowances and subsidies.

But in practice, many units pay according to the basic wage or even the minimum wage.

Individuals can't increase the base by paying back the provident fund, because you personally pay back the monthly contribution of the provident fund, and what needs to be improved now is the contribution base. These two things are different. The monthly deposit amount of provident fund = the deposit ratio of the deposit base (units and individuals), and the base is dead. You can't pay more every month (because the highest individual contribution rate can't exceed 20%).

So now you have to determine whether your income is only 1400 yuan/month. If it exceeds, you can complain to the local provident fund center, because it is illegal to pay the provident fund according to the actual income level, and you can apply for it. Of course, you should be careful not to cause trouble to the unit.

How much can I borrow from Changsha provident fund deposit base of 3000?

Legal analysis: Lender's deposit %× 12 (month )× loan.

Legal basis: Regulations on the Management of Housing Provident Fund

Eighteenth employees and units housing provident fund is lower than the average monthly salary of employees in the previous year, the deposit ratio increased. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.

Article 19 The housing accumulation fund paid by individual employees shall be withheld and remitted from the capital.

The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing within days of each month and include it in the employee housing provident fund account.

Three, why the housing provident fund deposit base is not enough, can not be loaned?

The deposit base of provident fund refers to the average salary of employees in the previous year (natural year), including post salary, grade salary, hourly salary, piece-rate salary, post salary, performance salary, bonuses, allowances and subsidies.

But in practice, many units pay according to the basic wage or even the minimum wage. Individuals can't increase the base by paying back the provident fund, because you personally pay back the monthly contribution of the provident fund, and what needs to be improved now is the contribution base. These two things are different. The monthly deposit amount of provident fund = the deposit ratio of the deposit base (units and individuals), and the base is dead. You can't pay more every month (because the highest individual contribution rate can't exceed 20%). So now you have to determine whether your income is only 1400 yuan/month. If it exceeds, you can complain to the local provident fund center, because it is illegal to pay the provident fund according to the actual income level, and you can apply for it. Of course, you should be careful not to cause trouble to the unit. Fourth, why can't the provident fund be loaned with a low base!

Wait, when the provident fund is 20 thousand, we can apply for a housing loan of 300 thousand.