housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
1. The provident fund is usually withheld and remitted by the employees' company.
2. The provident fund management specialist will fill in the payment information of the employees of the company every month, and if there is any personnel change, it is also necessary to fill in the information of the increase.
3. Then the handling officer can go to the local provident fund center to deposit the provident fund.
in addition to going directly to the provident fund center, you can also log in to the company's account in the special provident fund official website and complete the operation of depositing the provident fund on the website.
Legal basis: Article 18 of the Regulations on the Management of Housing Provident Fund, the contribution ratio of housing provident fund of employees and units 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 shall be 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.
article 12 of the regulations of Xiamen municipality on the administration of housing provident fund, the unit shall pay the housing provident fund monthly and in full, and shall not pay it overdue or underpaid.
The unit that suffered operating losses in the previous year, or deferred payment of pension or unemployment insurance benefits with the approval of the local tax authorities, can reduce the proportion of housing provident fund deposit or defer payment of housing provident fund after being discussed and approved by the staff and workers' congress or trade union of the unit, audited by the management center and reported to the management committee for approval; After the economic benefits of the unit improve, it will return to the prescribed deposit ratio or pay back the deferred payment. After the reduction, the proportion of units and employees' housing provident fund deposit shall not be less than 5%. Reduce the proportion of housing provident fund deposit or postpone the housing provident fund for no more than one year at a time. Where an extension is required due, the unit shall reapply.