The minimum deposit base of Shenzhen housing provident fund is 2200 yuan, and the maximum deposit base is 34860 yuan. In 2020, the average monthly salary of employees in the city will be 1 1620 yuan. Since July, 20265438 1 day, all housing provident fund deposit units have adjusted the adjusted housing provident fund deposit base, that is, the average monthly salary of employees in 2020. The adjusted deposit base does not exceed 3 times the average monthly salary of employees in the city in 2020 announced by the statistics department of this Municipality, that is, it does not exceed 34,860 yuan.
The payment standard of Shenzhen provident fund is the upper limit of 34,860 yuan and the lower limit of 2,200 yuan. The lower limit of the unit and employee housing provident fund deposit ratio is 5%, and the upper limit is 12%. Units can choose the appropriate deposit ratio according to their actual situation within the prescribed lower and upper limits of the deposit ratio.
Units can choose the appropriate deposit ratio according to their actual situation within the prescribed lower and upper limits of the deposit ratio. Since July 1 year, all housing provident fund deposit units in Shenzhen hereinafter referred to as units have adjusted the adjusted housing provident fund deposit base, which is the average monthly salary of employees in 2020.
The adjusted deposit base does not exceed 3 times the average monthly salary of employees in the city in 2020 announced by the statistics department of this Municipality, that is, it does not exceed 34,860 yuan. . If the average monthly salary of employees is subject to the annual salary system, if the average monthly salary does not exceed the above-mentioned limit, the actual average monthly salary will be used as the deposit base, and if it exceeds the above-mentioned limit, the limit will be used as the deposit base. The adjusted deposit base shall not be less than 2200 yuan.
The process of withdrawing provident fund includes: submitting a written loan application to the bank, and submitting a copy of the original ID card, an application form for withdrawing housing provident fund, house ownership certificate, deed tax payment certificate and other related materials; Signing loan contracts and guarantee contracts; Sign the entrusted deduction agreement and open an account; Issue and use provident fund loans with the consent of the lending bank.
Legal basis:
Regulations on the administration of housing provident fund
Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.
Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.
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 with the housing provident fund management center audit documents, to the entrusted bank for the establishment or transfer of employee housing provident fund accounts. Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.