When will the new regulations on housing provident fund deposit in Guangdong Province be implemented?

The maximum contribution ratio of provident fund will be reduced to 12% 20 16 List of Guangdong provident fund contribution ratio. Yesterday, the executive meeting of the State Council decided that within two years from May of 16, the proportion of housing provident fund deposit will be standardized and adjusted, and all provinces (autonomous regions and municipalities) will be merged. Enterprises with difficulties in production and operation can not only reduce the deposit ratio, but also apply for deferring the provident fund according to law, and then increase the deposit ratio or resume the deposit and pay the deferred provident fund after the benefits improve.

The reporter learned from the Guangzhou Housing Provident Fund Management Center that recently, Guangdong Province also proposed to reduce the maximum contribution of provident fund, specifically to reduce the maximum contribution ratio of provident fund from 20% to 12%, and the maximum contribution base is from the average salary of employees in the previous year. Five to three times. However, the official documents have not been issued to the Guangzhou Housing Provident Fund Management Center, and the latest regulations issued by the State Council yesterday have not yet been issued.

It is worth noting that the new year of Guangzhou's provident fund payment will start from July this year 1, while the standardized schedule of provident fund payment proposed by the the State Council executive meeting yesterday is within two years from May 1, 2065438. Then, will Guangzhou wait until July this year 1 at the earliest before landing the New Deal? Relevant persons of Guangzhou Housing Provident Fund Management Center said yesterday that everything will be decided after receiving the official documents. If Guangzhou receives the official documents of the State Council's new regulations, it will strictly implement the policies, and then announce the landing rules to the public. If it is a policy need, it is not ruled out that the new regulations will be implemented from May this year 1.

In addition, according to relevant sources of Guangzhou Housing Provident Fund Management Center, Guangzhou financial allocation units have gradually standardized the provident fund deposit according to the requirement of "the maximum deposit ratio has been reduced from 20% to 12%".

Guangzhou Provident Fund relaxes the withdrawal conditions of provident fund.

At the Guangzhou Municipal People's Congress on 20 15, Sun, a representative of the Municipal People's Congress, called for simplifying the procedures for renters to withdraw provident fund. She believes that strict management of the withdrawal operation will give birth to more impulses to withdraw the provident fund through intermediary and other means, and reduce the enthusiasm for deposit. Therefore, she suggested opening online and bank self-service terminal extraction.

Department reply: this year, the provident fund will be repaid monthly.

In this regard, Guangzhou Housing Provident Fund Management Center replied that since February 25, 20 15, 15, Guangzhou has implemented the new regulations and paid the provident fund for more than three months. If the husband and wife have no real estate in the administrative area of Guangzhou, they can withdraw the provident fund not exceeding 600 yuan every month for renting (for details, stamp). Workers only need to provide the certificate issued by the housing management department that there is no self-owned house under the name of individuals and families within the administrative area of Guangzhou, and there is no need to provide rental invoices and filing certificates.

The withdrawal of provident fund from the network and mobile phone terminals mentioned by the representative is also in progress. At present, units and employees can handle the remittance and payment of provident fund, increase or decrease of personnel, transfer, inquiry, withdrawal, withdrawal appointment and account consolidation appointment online.

Links from all over the world: the extraction standard for renting houses in Guanfo Central Provident Fund is raised.

Recently, many cities in Guangdong Province have adjusted their provident fund policies, which have been implemented since April 1.

Dongguan: employees rent houses, and the monthly withdrawal limit of provident fund is raised from 540 yuan to 1.500 yuan; The withdrawal ratio is increased from 60% of the monthly deposit to 65% of the monthly deposit; The time interval of extraction is adjusted from no less than 3 months in the self-service channel to monthly extraction, and the counter extracts once every 12 months.

Foshan: The rent standard for ordinary houses is that the building area of a single house is below 1.44 square meters, and the guiding standard for rent is 23 yuan per square meter, and the part exceeding the standard shall be borne by individuals. In other words, the maximum monthly cash withdrawal can be 33 12 yuan.

Zhongshan: The maximum amount of personal loan is raised from 350,000 yuan to 400,000 yuan; The withdrawal period of provident fund rent and property fee is shortened from the original 3 months to 1 month; The general rent withdrawal amount was increased from 30% of the housing provident fund deposit amount last month to 40%.

In addition, the provident fund management center also revealed that it is expected that this year, the procedures for withdrawing housing provident fund will be further simplified, and the monthly repayment of housing provident fund will be introduced.

At present, Guangzhou's provident fund can only be withdrawn once every six months. During this period, many mortgage owners can only return the money to the bank first, and then withdraw money from the provident fund account after half a year. I won't need it in the future. The money in the provident fund will be directly transferred to the mortgage account on a monthly basis, reducing the pressure on employees to repay loans. In other words, you can save more for yourself in your monthly salary.

Guangzhou provident fund adjustment:

The deposit ceiling was reduced from 20% to 12%.

The upper limit of the deposit base is reduced from 5 times of the average monthly salary to 3 times.

According to their own production and operation conditions, enterprises determine the appropriate housing provident fund deposit ratio at 5%- 12%.

Enterprises in difficulty apply for reducing the deposit ratio to less than 5% or delaying the payment of housing provident fund.

After adjustment, the deposit ratio and base of Guangdong housing provident fund are as follows:

Housing provident fund deposit ratio:

Units and individuals housing provident fund deposit ratio is 5%- 12% respectively, and the specific deposit ratio is chosen by units and individuals according to the actual situation.

Upper limit of deposit base of housing provident fund (taking Guangzhou's average monthly salary of 20 14 as an example)

Upper limit of deposit base: 1856 1 yuan. (3 times the average monthly salary)

Guangzhou social security adjustment:

From the second half of 20 16, we will promote the integration of urban and rural basic medical insurance and gradually reduce the unit rate to about 5 .5%.

From March 20 16 1 day, the unit rate of unemployment insurance was reduced from 1.5% to 0.8%.

20 15 10 1, the average rate of industrial injury insurance decreased from 0.63% to 0.43%.

Promote the combined implementation of maternity insurance and basic medical insurance

Reduce the burden on enterprises by 400 billion yuan this year.

I am afraid that I am most concerned about reducing costs.

This time, the cost reduction is combination boxing. Planning requirements, take measures to help enterprises reduce costs, lay a good "combination boxing" and reduce the costs of institutional transactions, labor, tax burden, social insurance, finance, production factors, logistics and so on.

In terms of cost reduction, the plan proposes that by the end of 20 16, the burden of enterprises in the province will be reduced by about 400 billion yuan, and the comprehensive cost of enterprises will be reduced by about 5%-8% compared with that of 20 14, of which the institutional transaction cost will be reduced by about 20 billion yuan, the labor cost will be reduced by about 25 billion yuan, and the tax burden cost will be reduced by 21500 million yuan.