What is the deposit ratio of Zhuhai housing provident fund?

1. The current housing provident fund deposit ratio in Zhuhai is 5%- 12%.

The deposit base of Zhuhai housing provident fund is the average monthly salary of employees in the previous year. In the second month of the new employee's work, my monthly salary is the deposit base; The employees newly transferred to the unit shall pay their wages from the date of transfer to the unit, with their monthly salary as the deposit base. In the annual adjustment, the average monthly salary of employees in the previous year is based on the deposit base, and the wages of employees are calculated according to the provisions of the National Bureau of Statistics.

Three. credit terms

1. The housing provident fund account has been paid in full and on time for 6 months or more before the month of application, and the housing provident fund account is in a normal payment state at the time of application (the account is sealed, frozen and cancelled);

2. The applicant has paid the down payment for the house purchase as required;

3. Applicant 18 to 60 years old, with stable economic income and the ability to repay the loan principal and interest on time, and good personal credit status (mainly subject to the personal credit report of the credit information system of China People's Bank);

4. The age of the main applicant plus the mortgage period, the male is no more than 65 years old and the female is no more than 60 years old;

5. The applicant agrees to use the purchased property as collateral;

6. The applicant and the co-applicant have not applied for housing provident fund loans or have paid off the housing provident fund loans;

7. The loan application meets the requirements of national, provincial and municipal real estate market management policies.

The deposit base of housing provident fund is the average monthly salary of employees in the previous year, and the deposit ratio also varies greatly. The state stipulates that it should not exceed 12% and not less than 8%, but in fact, the proportion of some units or leaders can reach 50% or even more, for reasons you know. Generally, the proportion of state-owned enterprises or foreign-funded enterprises is 10%, that is, your personal contribution 10% and your company contribution 10% will be given to you. For example, your average monthly salary (plus basic salary, bonus, commission, dividend, etc. Last year, it was 5000 yuan, so you personally have to pay 500 yuan a month, and the unit pays you 500 yuan, which is actually deposited in your provident fund account.