Housing accumulation fund is housing reform. Enterprises and employees each pay a certain amount of housing provident fund, and those who meet the extraction conditions can be withdrawn, and the purchase of commercial housing can also enjoy lower housing loan interest, reducing the economic burden of employees.
five social insurance and one housing fund
It refers to several kinds of security benefits provided by employers to workers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.
20 16 March 23rd "13th Five-Year Plan" outlines the implementation of maternity insurance and basic medical insurance in parallel. This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurances and one gold" will become "four insurances and one gold", medical insurance will be merged with maternity insurance, and some large enterprises will buy benefits for their employees, such as personal accident insurance and critical illness insurance.
Before the end of June, 2065438+2007, maternity insurance and basic medical insurance for employees were merged in some pilot areas, and the inspection expenses were reimbursed together with general medical expenses. The pilot period is about one year. The first batch of pilot areas include Handan, Hebei, Jinzhong, Shanxi, Shenyang, Liaoning, Zhengzhou, Henan, Yueyang, Hunan and other cities 12. After the merger of the two insurances, the future will be four insurances and one gold.
In order to save costs, many start-ups will face some risks if they pay less or even no employees' five insurances and one fund. According to the Social Insurance Law and the Regulations on the Management of Housing Provident Fund, enterprises that fail to pay social security for their employees in full and on time will be charged a late payment fee of five ten thousandths, or even a fine of more than three times the unpaid amount 1 times; Those who fail to pay the provident fund within the time limit will be fined 1 1,000 yuan to 50,000 yuan. In reality, if employees file an arbitration or lawsuit because the enterprise fails to pay the social security accumulation fund for them normally, the loser is basically the enterprise.
Handle five insurances and one gold.
(1) social security and provident fund account opening: enterprises need to open social security and provident fund accounts in the social security bureau and provident fund center within 30 days from the date of establishment. After opening a social security account, you will get the social security registration certificate, and after opening a provident fund account, you will get the unit provident fund registration number.
(2) Increase or decrease of employees: the company must add new employees to the company's five insurance and one fund account every month, and delete the employees who have left the company from the account. Social security and provident fund accounts are two independent accounts, and the operation of increasing or decreasing employees must be carried out in two accounts.
(3) Confirm the payment base: the unit needs to declare the correct payment base of five insurances and one gold for employees every month to ensure the normal payment of five insurances and one gold. The payment base of five insurances and one gold is the average salary of employees in the previous year or the salary in the first month of employment.
(4) Payment of five insurances and one fund: If an enterprise or bank signs a bank payment agreement with the social security/provident fund management institution, the payment of five insurances and one fund will be directly deducted from the enterprise's bank account at a fixed time every month. Of course, enterprises can also choose cash or check to pay at the site of the five insurance and one gold management institution.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.