2. 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.
3, urban individual industrial and commercial households, freelancers housing provident fund monthly deposit base in principle, according to the depositor's average monthly tax income in the previous year.
For example, your basic salary (deposit base) is 2000, and the contribution ratio of companies and individuals is 10%. Regardless of the social security tax, only 1800 and 10% of your salary will be credited to your provident fund account every month before the salary is paid.
At the same time, your company will deposit 200 yuan into your provident fund account, so your actual income is 2,200 yuan, but your discretionary money is only 1800 yuan. 400 yuan in the provident fund can only apply for buying or renting a house.
Extended data:
Housing provident fund deposit scope:
The following units and their employees
1, institutions;
2. State-owned enterprises, urban collective enterprises, foreign-invested enterprises, enterprises invested by Hong Kong, Macao and Taiwan businessmen, urban private enterprises and other urban enterprises or economic organizations;
3. Private non-enterprise units and social organizations;
4. Permanent representative offices of foreign, Hong Kong, Macao and Taiwan invested enterprises and other economic organizations.
Urban individual industrial and commercial households and freelancers can apply for housing provident fund deposit (note: not all housing provident fund management centers in community cities allow urban individual industrial and commercial households and freelancers to deposit housing provident fund, please consult local housing provident fund management agencies for details).
The deposit ratio of employees and unit housing provident fund shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio.
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. The monthly deposit base of urban individual industrial and commercial households and freelancers' housing provident fund is calculated in principle according to the average monthly tax revenue of the depositor in the previous year.
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