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.
However, in practice, many units pay wages 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 increased now is the contribution base. These two things are different. Monthly payment of provident fund = the proportion of payment base (unit and individual), 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 should first 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 bring trouble to the unit.
2. How much can I borrow from the deposit base of Changsha Provident Fund of 3,000 yuan?
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 proportion of deposit 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.
However, in practice, many units pay wages 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 increased now is the contribution base. These two things are different. Monthly payment of provident fund = the proportion of payment base (unit and individual), 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 should first 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 bring trouble to the unit. Fourth, why can't the provident fund be loaned with a low base!
Wait, when there is 20,000 yuan in the provident fund, we can apply for a 300,000 housing loan.