It is a good thing for depositors to raise the upper limit of the deposit base of Beijing provident fund in the long run. Because of the increase in the amount of provident fund deposit, for those who are ready to buy a house with provident fund loans, the pressure of buying a house is reduced and the loan amount can be increased. If you don't lend, more money will enter your personal account after retirement.
Provident funds are generally borne by individuals and units in accordance with 50% of the amount payable. According to the current Beijing provident fund deposit base in 2022, it will become 3 1884, which is 366 1 higher than that in 2022. The deposit base of Beijing housing provident fund is determined according to three times the average salary of employees in the previous year, and the increase is mainly due to the increase of the average monthly salary of employees in Beijing. The deposit ratio is determined from 5% to 12%. If calculated according to 12%, the maximum monthly demand is 7652 yuan, which is 878 yuan higher than 202 1 year. Individuals and units each need to bear 3826 yuan.
The increase in the amount of provident fund deposit will affect the salary that may be obtained in the short term. At the same time, the burden borne by enterprises has also increased, because each company accounts for half. But in the long run, it is the payer who benefits. When using provident fund loans, the loan amount is directly proportional to the deposit base, and the higher the deposit base, the higher the loan amount. Buyers who intend to use provident fund loans in the future will have more adequate loan quotas. This adjustment is a national adjustment, which is very beneficial to new citizens and young people, and it is convenient for these fresh blood to settle in the city better.
The improvement of the payment base of housing provident fund has many benefits for individual employees. On the one hand, the interest rate of provident fund loans is low and it is convenient to buy a house. On the other hand, this part of the money is shared by enterprises and individuals, and eventually enters the personal account of housing provident fund, which can be withdrawn at one time when buying a house or retiring, which is equivalent to raising the salary of each depositor in disguise.
What is the upper limit of Beijing provident fund?
In 202 1 year, the upper limit of the monthly deposit base of Beijing provident fund was raised to 2822 1 yuan, and the lower limit of the monthly deposit base was 2320 yuan, and the lower limit of the monthly deposit base of employees receiving basic living expenses was 1624 yuan.
Before this increase, the upper limit of the monthly deposit base of Beijing housing provident fund was 27,786 yuan. Assuming that the contribution ratio (unit and individual) of an employee's housing provident fund is 12%, the upper limit of the employee's monthly contribution of provident fund will be raised from 8 yuan to 6773 yuan after this adjustment.
First, the process of purchasing provident fund.
(1) Apply for provident fund loans. If it is necessary to use the provident fund loan, the lender needs to submit a loan application to the provident fund management center in the city where it is located, and provide the information needed for the loan.
(2) Preliminary review of provident fund loans. After receiving the lender's loan application, the provident fund management center will review the lender's qualification, loan amount, loan term, loan information and other information and put forward opinions.
(3) signing a provident fund loan contract. After the lender passes the audit of the provident fund center, it receives the notice from the loan signing bank. At this time, the borrower only needs to carry ID card, household registration book, bank account number and other materials within the specified time to go through the loan contract signing procedures at the signing bank.
(4) home insurance and mortgage registration procedures. After signing the loan contract with the bank, the lender must go through the insurance and mortgage registration formalities according to the regulations, but the expenses incurred in the process of handling shall be borne by the lender itself.
(five) waiting for the provident fund loan. After the lender goes through the mortgage registration formalities, the loan contract will also take effect. The bank will transfer the loan to the designated account according to the date agreed in the contract and send the loan receipt to the lender.
Second, the advantages of provident fund loans.
(1) Loans enjoy low interest. The interest rate of provident fund loans has been lower than that of commercial loans. As a policy loan, the interest rate of housing provident fund loan is low, which is about 2 percentage points lower than the benchmark interest rate of commercial banks' housing loans.
(two) housing provident fund loan interest can be deducted from personal income tax. According to the relevant laws and regulations, the interest on housing provident fund loans paid by individuals can be deducted from the taxable income of individual monthly wages and salaries.
(3) The provisions on early withdrawal of provident fund are loose.
What is the upper limit of Beijing housing provident fund?
Legal analysis: the upper limit of the annual deposit base of Beijing housing provident fund is adjusted to 2 1.258 yuan, the upper limit of monthly deposit is 5 1.02 yuan, and the upper limit of monthly deposit of employees and units is 255 1 yuan. Last year, the upper limit of the monthly contribution of Beijing housing provident fund was 4,654 yuan, and the upper limit of the monthly contribution of employees and units was 2,327 yuan, which increased by 448 yuan and 224 yuan respectively this year.
Legal basis: Regulations on the Management of Housing Provident Fund
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
How much can I borrow from the personal deposit base of provident fund 1950?
According to the Implementation Measures for Provident Fund Loans, the maximum amount of provident fund loans with individual deposit base of 1950 is 65,438+10,000 yuan. However, there are certain requirements for the quota, such as age, working years, deposit time and position. In addition, according to the relevant regulations in different regions, it may have an impact on the maximum loan amount. Therefore, in order to accurately understand the specific loan amount, it is recommended to consult the local provident fund center or relevant departments for verification.
How much can Beijing provident fund borrow at most?
Legal analysis: in 20021year, the upper limit of the monthly deposit base of Beijing housing provident fund is 28,220 yuan. The lower limit is temporarily 2320 yuan. According to its own economic situation, the deposit unit can independently determine the deposit ratio of housing provident fund within the range of 5% to 12%, without providing materials or approval. The proportion of unit deposits and individual deposits should be consistent. Beijing Housing Provident Fund Management Center will not need to apply for a new card when employees withdraw the provident fund in the future. You can use any first-class bank card issued by it in Beijing 1 1 Cooperative Bank as the bank card for housing provident fund business (hereinafter referred to as the provident fund card). Beijing has also optimized the withdrawal of housing provident fund for deceased employees. When the spouse, parents and children of a deceased employee whose balance in the housing provident fund account is less than 50,000 yuan (excluding interest) apply for one-time cancellation and withdrawal of the housing provident fund of the deceased employee, it is not necessary to provide a notarial certificate issued by the notary department confirming the right of inheritance and bequest or a judgment, ruling or conciliation statement issued by the people's court.
Beijing's housing provident fund withdrawal regulations require the following three materials: an application for housing provident fund withdrawal, the original and photocopy of the applicant's ID card, and the withdrawal certificate of the applicant's bank savings account. When an employee's spouse applies for withdrawal, in addition to providing materials in accordance with the above provisions, he should also provide proof of husband-wife relationship.
Legal basis: Article 7 of the Regulations on the Management of Housing Provident Fund, the administrative department of construction in the State Council shall, jointly with the financial department of the State Council and the People's Bank of China, formulate the housing provident fund policy and supervise its implementation. The construction administrative departments of the people's governments of provinces and autonomous regions shall, jointly with the financial departments at the same level and the branches of the People's Bank of China, be responsible for supervising the implementation of the regulations and policies on housing provident fund management within their respective administrative areas.
Beijing provident fund loan base is so much.