Suzhou Social Security Provident Fund Minimum Standard 2023

The deposit standard of housing provident fund in Jiangsu Province shall not be higher than three times the average monthly salary of employees in the previous year, and three times the average monthly salary of employees in 202 1 year is 3087 1 yuan, so the upper limit of the deposit base of housing provident fund in Jiangsu Province in 2023 is 30,800 yuan.

Suzhou provident fund payment standards are as follows:

1. The deposit base of Suzhou employees' provident fund shall be determined according to the average monthly salary of employees, specifically in accordance with the Provisions on the Composition of Total Wages issued by the National Bureau of Statistics;

2. The maximum deposit base of the provident fund shall not exceed 3 times the average monthly salary of Suzhou employees. In 2023, the maximum deposit base of Suzhou Provident Fund is 3 1.600 yuan. If the monthly salary base of employees exceeds the maximum limit, it shall be calculated according to the maximum limit, and if it is lower than the maximum limit, it shall be calculated according to the actual situation;

3 provident fund deposit base shall not be lower than the local social security minimum payment base. If the actual salary is really lower than the local minimum social security payment base, it will be adjusted after the approval of Suzhou Provident Fund Management Center, but the minimum wage shall not be lower than the monthly minimum wage in Suzhou. Overdue adjustment, and the provident fund deposit base is lower than the local social security minimum payment base, unified adjustment by the provident fund management center for the local social security minimum payment base.

4. Flexible employees who pay the provident fund shall be implemented according to the following standards: the wage base of individual industrial and commercial households and their employees shall be consistent with the social security payment base, and the upper and lower limits of the payment ratio shall be implemented in accordance with the payment regulations. Freelancers should pay 500 yuan/month at the minimum and 5,000 yuan/month at the maximum.

5. The adjusted provident fund deposit base will be implemented from July 2023, and the underpayment from July 2023 to the month of adjustment will be made up by the unit.

The way to withdraw the provident fund is as follows:

1, house purchase withdrawal. When using this method to withdraw the provident fund, you can directly withdraw it in full from the housing provident fund management center;

2. Housing loan withdrawal. In the absence of binding provident fund repayment, if there is a mortgage to be repaid at present, the provident fund can be withdrawn once a year to repay the loan according to regulations;

3, the use of rental contracts to extract provident fund. Now, many regions have implemented such regulations. If employees rent a house, they can use the lease contract to withdraw the provident fund from their accounts. However, it should be noted that there will be a limit on the withdrawal of the provident fund, and the amount of withdrawal of the provident fund should be within the amount of one year's rent payment. However, if you want to withdraw all the provident fund, you need to meet more conditions, and it is not enough to withdraw it by renting a house;

4. Extraction of house decoration. Housing renovation or renovation of old houses can also apply for withdrawal of provident fund. After providing the certification materials such as the decoration entrustment contract with the decoration company, it can be extracted. The staff of the provident fund management center will also inform you of the specific materials you need in advance;

5. The court decided to withdraw the provident fund.

To sum up, the deposit base of Suzhou's highest provident fund shall not exceed three times the average monthly salary of Suzhou employees, and the deposit base of the provident fund shall not be lower than the minimum payment base of local social security.

The new policies of Jiangsu Provident Fund 2023 are as follows:

1, housing provident fund personal housing loans can only be used to pay for employees to buy, build, renovate and overhaul ordinary self-occupied housing to support basic housing needs. It is strictly forbidden to use housing provident fund personal housing loans for speculative purchase;

2. Maintain the continuity and stability of the policy of paying employees' families to purchase the first set of ordinary self-occupied housing by using housing provident fund personal housing loans. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. Xing Tao construction area of less than 90 square meters, the loan down payment ratio is not less than 20%; Xing Tao construction area of more than 90 square meters, the loan down payment ratio shall not be less than 30%;

3. Housing accumulation fund The second set of personal housing loans is only provided to the paid workers' families whose existing per capita housing construction area is lower than the local average level, and the purpose of the loans is limited to the purchase of ordinary self-occupied housing to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan is not less than 50%, and the loan interest rate is not less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period;

4. Stop issuing housing provident fund personal housing loans to paid workers' families who buy third and above houses;

5, urban housing provident fund management committee to according to the local housing prices, per capita housing construction area and housing provident fund business development, in order to support the paid workers to buy ordinary self-occupied housing loan demand as the principle, reasonably determine the maximum amount of housing provident fund personal housing loans, and report to the provincial housing and urban construction, finance, the people's Bank of China, banking regulatory authorities for the record;

6 city housing provident fund management center and the entrusted bank shall take effective measures to strengthen the investigation, examination, mortgage, issuance and recovery of individual housing loans of housing provident fund, effectively strengthen loan risk management, and ensure the safety of funds. The housing provident fund management center shall, jointly with the relevant competent departments, promptly establish an information sharing mechanism to prevent fraudulent housing provident fund personal housing loans and other acts. At the same time, it is necessary to simplify the procedures and improve the service level.

Suzhou minimum payment for five insurances and one gold:

According to regulations, social security units and individuals should bear 0.8% and 0% maternity insurance, 0.2% and 0% industrial injury insurance, 0.5% and 0.5% unemployment insurance, serious illness insurance in 0 yuan and 5 yuan, 7% and 2% medical insurance and 16% and 8% old-age insurance respectively. You can directly participate in the insurance according to the minimum payment base of 4250 yuan, and the minimum monthly cost of the five insurances is only 1553.99 yuan.

According to the regulations, provident fund units and individuals should bear the proportion of 8% respectively. The minimum payment base is 4,250 yuan, and the minimum monthly provident fund should be paid to 680 yuan.

Legal basis:

Article 15 of the Regulations on the Management of Housing Provident Fund, if a unit employs employees, it shall go to the housing provident fund management center for deposit registration within 30 days from the date of employment, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center.