In China, the housing accumulation fund is paid according to a certain proportion, usually between 5%- 12%. Within this range, both employers and employees can choose independently. 1. What is the deposit ratio of Nanjing housing provident fund? The floating range of Nanjing housing provident fund deposit ratio is adjusted to 5%- 12%. When a unit sets up a housing provident fund account, it can choose independently within the range of 5%- 12% of the housing provident fund deposit ratio. Second, the housing provident fund loan conditions 1, only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. 2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. 3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. 4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. 5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same. The basic conditions for applying for housing provident fund housing loans mainly include three aspects: loan object, loan purpose and basic conditions for housing loans. Three. Materials required for renting a house to withdraw provident fund 1. Identification materials: original ID card and joint housing provident fund card (employees without joint housing provident fund card should provide the "Chengdu Housing Provident Fund Withdrawal Certificate" signed by the unit and its savings account in duplicate). Proof of renting behavior: if renting a private house, the original and photocopy of the general tax payment certificate issued by the local tax department should be provided; If the housing management department directly manages public housing or other affordable housing, it shall provide the original and photocopy of the rent receipt issued by Chengdu Public Housing Management Center. 2. The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank jointly issued new regulations to relax the conditions for employees to withdraw housing provident fund to pay rent. Cancel the restriction on the proportion of rent expenditure to household income, and you don't need to provide tax payment certificate and lease contract for filing, and you don't need rent payment certificate. Only employees need to pay the housing provident fund for three months in full. If my spouse and I don't own a house in the city where we deposit it, we can withdraw our housing provident fund to pay the rent. According to the law, the floating range of Nanjing housing provident fund deposit ratio is adjusted to 5%- 12%. When a unit sets up a housing provident fund account, it can choose independently within the range of 5%- 12% of the housing provident fund deposit ratio.

Legal objectivity:

Routine Adjustment of Deposit Base of Provident Fund Yesterday, official website, Nanjing Housing Provident Fund Management Center, issued the Notice on Adjusting the Deposit Base of Housing Provident Fund and Housing Subsidy for New Employees in 20 17. According to the notice, the target of this adjustment is the units registered and paid in Nanjing Housing Provident Fund Management Center before June 30, 2065438+2007 and their employees. The adjusted deposit base will be implemented from July 1, 2065438. The contribution base for 20 17 years is the average monthly salary of employees in 20 16 years, and the maximum is not more than three times the average monthly salary of employees in Nanjing in 20 16 years (22,500 yuan). The minimum wage for employees in Nanjing is not less than 20 17 years (the minimum wage for employees in Nanjing is to be determined by the relevant departments). The reporter learned from the Nanjing Housing Provident Fund Management Center that the deposit base of the provident fund will be adjusted routinely every July, and the same deposit base will be implemented from July of that year to June of the following year, based on the average wage and minimum wage of employees in the previous year, so the upper and lower limits are different every year. For example, the upper limit of the deposit base of 20 16 is 20,200 yuan, and 20 15 is18,200 yuan, reaching 22,500 yuan this year. The maximum deposit amount of 5,400 yuan is calculated according to the adjusted maximum deposit base of 22,500 yuan, and the deposit ratio is 8%- 12%. According to the contribution ratio of units and individuals as 1: 1, the maximum monthly contribution to the employee provident fund account can reach 5,400 yuan (22,500 yuan × 12% × 2). As the minimum wage standard has not been published, it is impossible to calculate the minimum monthly contribution for the time being. The reporter learned that everyone's salary is high or low, and the contribution ratio of each company will be different. If the average monthly salary of employees in a certain unit is 6,000 yuan, and the contribution ratio is 12%, then the employee's monthly provident fund contribution is 720 yuan, plus the other half paid by the unit, and the employee's monthly provident fund account contribution is 1440 yuan; If the average monthly salary of a unit employee is 3,000 yuan, then the monthly contribution of the provident fund is 720 yuan. Each unit shall adjust the deposit base of each employee according to the average monthly salary of employees in 20 16, and inform each employee of the adjustment results. There is no need to run from one unit to another, and the transfer of provident fund is a bit troublesome for many people. Yesterday, Nanjing Housing Provident Fund Management Center also announced a good news. From July 1, the personal account transfer process of provident fund will be greatly simplified. The transfer between local units does not require the original unit to issue the "Nanjing Housing Provident Fund Transfer Application Form", and the transfer in different places does not need to run at both ends. According to the notice, after the labor relationship between the unit and the employee is terminated, the employee who works in the new unit of this city can bring the housing provident fund acceptance letter issued by the new unit, the social security payment certificate issued by the new unit of the employee, and the original valid ID card of the manager to the bank outlet where the former unit's provident fund account belongs, without the need for the former unit to issue the Nanjing Housing Provident Fund Transfer Application Form. If you want to work in Nanjing from other places and transfer the foreign provident fund to Nanjing, you only need to provide the Application Form for Transfer and Continuation of Housing Provident Fund in Different Places in duplicate, the Power of Attorney for Centralized Transfer and Continuation of Housing Provident Fund in Different Places (provided by the manager) and the original valid ID card of the manager to apply to Nanjing Housing Provident Fund Management Center, and the employees do not need to return to the original location of the housing provident fund account management institution. In another case, employees who leave Nanjing to work in other places can apply to transfer their housing provident fund accounts to their work units after their individual housing provident fund accounts are sealed. The specific requirements are subject to the regulations of the transfer center. Warm reminder that these provident fund businesses in Nanjing can handle Nanjing provident fund business all year round, and have changed since this month. From June 1 day, the processing time for Nanjing people to withdraw housing provident fund to pay rent and repay housing loans is extended to the whole year, and employees who have paid in can handle it at any time. For employees who have previously paid the provident fund in Nanjing, the processing time for withdrawing the provident fund to pay the rent is June-65438+February every year, and the processing time for withdrawing the provident fund to repay the housing loan is the first half of June-1-65438+February every year. After adjustment, the processing time for drawing housing provident fund to pay rent is adjusted from June-June+February to the whole year; The processing time for withdrawing housing provident fund from the counter to repay housing loans is adjusted from the first half of each year 1- 12 to the whole month, which is more convenient for employees to withdraw housing provident fund.