In addition, the withdrawal applicant must be the main lender and his spouse, and the withdrawal applicant and his spouse have no housing provident fund loans in Shanghai, no entrusted withdrawal of housing provident fund to repay housing loans, no other effective withdrawal business, and no self-owned housing in Shanghai.
Shanghai Provident Fund Payment Standard 2022
According to the regulations, the maximum deposit base of Shanghai provident fund in 2022 shall not exceed 34 188 yuan, and the minimum shall not be less than 2,590 yuan. The deposit ratio of employee housing provident fund and unit housing provident fund is 5% to 7% respectively, and the deposit ratio of supplementary housing provident fund is 1% to 5% respectively. According to this deposit base and proportion, if the housing provident fund is paid at the rate of 7%, the corresponding upper limit of monthly deposit is 4786 yuan and the lower limit of monthly deposit is 362 yuan. If the supplementary housing provident fund is calculated according to the proportion of 5%, the upper limit of monthly contribution is 34 18 yuan, and the lower limit of monthly contribution is 260 yuan.
When the housing provident fund is actually paid, the base and proportion of the housing provident fund can be adjusted according to the actual situation within the upper and lower limits of the monthly housing provident fund paid by Shanghai. It is worth mentioning that the implementation time of Shanghai provident fund deposit standard in 2022 is from July 1 day, 2022 to June 30, 2023. In principle, the deposit base and proportion of the provident fund cannot be changed at will within one year.
Conditions for withdrawal of Shanghai provident fund
According to Article 7 of the Measures for the Administration of Housing Provident Fund Withdrawal in Shanghai, in any of the following circumstances, employees may apply for withdrawing the storage balance in the housing provident fund account:
1, purchase owner-occupied housing ownership.
2, construction, renovation, overhaul of the city's ownership of self-occupied housing.
3 to repay the principal and interest of the city's owner-occupied housing loan.
4. There is no room in this city and the houses in this city are rented for self-occupation according to law.
5, urban low-income families with financial difficulties to pay self-occupied housing property service fees.
6, family life is difficult to pay rent, property service fees, after-sales public housing property maintenance fees and other housing consumption expenses.
7. Retired.
8. Most or all of them lose their ability to work, and terminate their labor relations with their units.
9. Those who go abroad to settle down.
10, dead or declared dead (applied by the legal heir or legatee of the employee).
1 1, other circumstances stipulated by the state and this municipality.
Legal basis:
Regulations on the administration of housing provident fund
Fifteenth units to hire employees, should be within 30 days from the date of employment to the housing provident fund management center for deposit registration, and for the establishment or transfer of employee housing provident fund accounts.
Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.
Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.
The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
Article 19 The housing accumulation fund paid by individual employees shall be withheld and remitted from their wages by their units.
The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.
Twentieth units shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.
Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.