Tibet provident fund base

Mutual recognition of national deposits meets the demand of buying houses in different places.

"Well, this line not line? Loans from different places are not allowed. " He Laoshi, who wants to buy a house in Chengdu, is most worried that he can't get a loan, so the plan to buy a house and settle down can only become a bubble.

It is understood that as of March 2023, there were 6 paid-in units in the whole region, with 435,500 employees, and the accumulated housing accumulation fund was 8,539/kloc-0.1 billion yuan, with a balance of 39.78 billion yuan; A total of 507,900 people withdrew 456 1 1 billion yuan from the housing accumulation fund, accounting for 5,345,438+0% of the total deposit. A total of114,800 individual housing loans and 5,065,438+22 million yuan were issued in the whole region, and the balance of provident fund loans was 285150,000 yuan. The balance of individual housing loan accounts for 7 1.68% of the deposit balance. Among them, the total amount of individual housing loans in different places is 289 million yuan, and the balance of individual housing loans in different places is 65.438+0.68 billion yuan. Together with the whole country, we will realize mutual recognition of deposits and meet the needs of employees who pay in different places to buy houses.

The maximum loan is 900 thousand, 20 years.

Then how can I get a loan? The person in charge explained carefully that employees who have continuously paid the housing provident fund for six months can apply for provident fund loans (not limited to the place of purchase) after purchasing (or building, renovating or overhauling) their houses. At present, more than 60% of the provident fund loans in our district are purchased outside the district, and the purchase locations involve all parts of the country. The maximum loan amount of the provident fund is 900,000 yuan, and the longest term is 20 years (the loan maturity date does not exceed 5 years after the statutory retirement time of the main borrower), and it does not distinguish between single and double employees, which is higher than the loan amount of most provinces and cities outside the region; The special preferential interest rate for provident fund loans is implemented in our district, that is, 1.76% for five years and below (0.99 percentage points lower than the current national interest rate) and 2.08% for five years and above (1. 17 percentage points lower than the current national interest rate); With the increase of loans in our region year by year, it is difficult to find a natural person guarantee. To this end, this year, the guarantee company guarantee system was piloted in Xizang Autonomous Region Capital Management Center and Lhasa Capital Management Center.

All conveniences go hand in hand.

After work, I often hear that housing provident fund loans can save a lot of money than commercial loans, but how much can be saved and how to calculate it? Most people are at a loss.

In addition, the Housing and Construction Department of the Autonomous Region has deepened the reform of "simplifying administration and decentralizing power, strengthening supervision and improving services". At present, the information of retired cadres and workers of the People's Social Welfare Department of the Autonomous Region, the online registration contract information of real estate, the real estate registration information of the Natural Resources Department of the Autonomous Region and the marriage registration information of the Civil Affairs Department of the Autonomous Region have been shared, and the paid-in employees do not need to provide relevant certificates. At the same time, the enterprise provident fund deposit registration business can be managed through the network. At the same time, the service channels were broadened, and the service was extended to all commercial banks in the region and 76 housing provident fund outlets (including 34 in District Direct and Lhasa), which made it convenient for deposit workers to handle the housing provident fund business nearby, and solved the outstanding problems such as shortage of staff in the housing provident fund management department, small business processing window, long waiting time for employees and long round-trip approval road.

Related Questions and Answers: Related Questions and Answers: Are the salaries of Tibetan civil servants and teachers high? I happen to have a classmate who is a Tibetan civil servant, so I have a certain understanding of the salaries of Tibetan civil servants and teachers. Below I will share the salaries of Tibetan civil servants and teachers in detail.

Tibetan civil servants and teachers are well paid and rank among the top ten provinces in China.

The salaries of civil servants and teachers in different provinces and cities are different, and the whole country is not uniform. Because civil servants and teachers belong to the staff in the system, their wages and benefits are borne by local finance.

Therefore, the salaries of civil servants and teachers are closely related to the economic strength and fiscal revenue of various regions. Generally speaking, the more developed a region's economy is, the higher the salaries of local civil servants and teachers, such as Jiangsu, Guangdong and Zhejiang in the developed southeast coastal areas.

So are the salaries of Tibetan civil servants and teachers high? Because Tibet is located in the frontier of China, its geographical location is remote and its climatic conditions are difficult, the salaries of local civil servants and teachers in Tibet are still very high.

As shown in the following figure, in 2020, Tibet ranked first in the country in terms of per capita general public budget expenditure of provinces and cities, with per capita fiscal expenditure reaching more than 60,000.

Although Tibet's local economic strength is very general, the local fiscal revenue is not too much every year, but all provinces in the country will have certain financial transfer payments. Generally speaking, the surplus finance of the developed southeast coastal provinces will be distributed to the central and western regions.

Moreover, Tibet receives a large amount of financial transfer payments every year. As shown in the following figure, in the 20021ranking of central transfer payment income of all provinces, autonomous regions and municipalities in China, the per capita financial transfer payment in Tibet reached nearly 50,000 yuan, ranking first in the country.

Therefore, although Tibet's geographical location is relatively remote and its economic development is average, Tibet can get huge financial transfer payments every year. Therefore, the salaries of local civil servants and teachers in Tibet are very high, ranking the top six in the country.

Treatment of Tibetan civil servants

As shown below, this is a civil servant in the second-class areas of Tibet, a township civil servant, whose rank is secretary of the township party Committee. The monthly salary is about 8600 yuan, and the year-end bonus is about 1 000 yuan.

The monthly bilateral provident fund is about 3,000 yuan, and the annual income is about 1.2 million. Together with the monthly provident fund, the annual comprehensive income reaches10.5 million or more.

The following picture shows the salary of civil servants in a county education and sports bureau in Tibet. The rank is first-class clerk. The monthly punching salary is about 8,000 yuan, and the year-end bonus plus the year-end 13 salary is about 30,000 yuan.

There are 60 days of paid vacation every year, and the subsidy is nearly 10,000. The bilateral provident fund is about 2,700 yuan per month, and the annual income is about10.4 million. If the provident fund is added, the annual comprehensive income is about 1.7 million.

Treatment of teachers in Tibet

The monthly salary of kindergarten teachers in a county in Shigatse, Tibet is not less than 8000.

Junior high school teacher of Linzhi public school in Tibet, working for more than 8 years, first-class teacher. Their monthly salary is around 8600.

The increase of teachers' salaries in Tibet is still relatively large, as shown in the following figure, which is a statistical chart of the growth rate of teachers' salaries in various provinces across the country in the past decade.

It can be seen that the salary of Tibetan teachers has ranked second in the country in the past ten years, with a growth rate of 588%, which is equivalent to a nearly six-fold increase in the salary of Tibetan teachers in the past ten years. It can be seen that the salaries of Tibetan teachers are still quite high.

Prices in Tibet are relatively high.

Although the salaries of civil servants and teachers in Tibet are relatively high, the monthly salary can reach 7,000 to 8,000 yuan. Together with bonuses and subsidies at the end of the year, the monthly income can exceed 10,000 yuan.

However, we must know that Tibet belongs to the plateau area, and the local climate and environment are relatively general. Many vegetables, fruits and other materials need to be transported from the mainland, so the local price level is quite high, which may be higher than that in Xinjiang.

As shown below, this is the price of a roadside stall in Tibet, and a bowl of noodles is close to 20 yuan, so the price level is no less than that of first-tier cities such as Beishangguang and Beishangguang, and the living expenses are still relatively high.

Tibet is located in the plateau area with a general environment.

Tibet is located on the Qinghai-Tibet Plateau, so the local altitude is quite high. According to altitude, Tibet is divided into several regions, generally divided into four regions. Generally speaking, the higher the altitude, the harder the working environment, and the more plateau subsidies for civil servants and teachers.

Plateau subsidies are mainly based on altitude, and the higher the altitude, the higher the subsidy. There is basically no plateau subsidy in low altitude areas. Below 4000 meters above sea level belongs to the second-class area (Lhasa and other places), above 4000 meters below 4500 meters above sea level belongs to the third-class area, and above 4500 meters above sea level belongs to the fourth-class area (Naqu, Ali).

abstract

Generally speaking, the salaries of teachers and civil servants in Tibet are still very high, with a monthly salary of about 7,000 yuan, which is much higher than other provinces in the central and western regions.

At the same time, due to Tibet's remote geographical location, employees in mainland provinces will have a certain amount of family visit fees and lump sum fees every year if they go there to work, which means that the travel expenses and expenses for visiting relatives and returning home are subsidized.

However, prices in Tibet are also very high, and the price level is higher than that in Beijing and Guangzhou. Moreover, the local altitude is very high, and foreigners have to adapt to work for a period of time before, and the working conditions are still relatively difficult.

If you go to Tibet to be a civil servant or a teacher, the difficulty of the exam is still relatively low, because Tibet recruits many civil servants and teachers every year, and the number of recruits is still very large. At the same time, the qualifications and age requirements for candidates are not particularly high.