How much is the Beijing Civil Servant Provident Fund for one month?

The monthly provident fund paid by civil servants shall not be less than 5% of the average monthly salary of employees in the previous year, and in principle shall not be higher than 12% (the total payment ratio is 10% to 24%), and the monthly payment amount = payment base × payment ratio (calculated by yuan)+the same amount of subsidy given by the unit.

Does the company pay five insurances and one gold?

According to the relevant laws and regulations, the collection scope of "five insurances and one gold" includes: state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees, institutions and their employees who implement enterprise management, and private non-enterprise units and their employees. Do civil servants have five insurances and one gold? The answer is yes.

How much is the civil servant's five insurances and one gold deduction?

Endowment insurance: the unit pays 2 1% for you every month, and you pay 8% yourself;

Medical insurance: the unit pays 9% for you every month, and you pay 2% plus 10 yuan for serious illness;

Unemployment insurance: the company pays you 2% every month, and you pay it yourself1%;

Work injury insurance: the company pays 0.00 yuan for you every month. 5%, you don't have to pay a penny yourself;

Maternity insurance: the company pays 0.00 yuan for you every month. 8%, you don't have to pay a penny yourself;

Housing accumulation fund: the unit pays you 8% every month, and you pay 8% yourself.

Reminder: the proportion and base of paying five insurances and one gold in each place are different. You can consult the local social security department for details.

Provident fund loan purchase process:

1. Go to the provident fund management center (1) for preliminary examination: the housing provident fund management center will conduct preliminary examination on the materials submitted by the applicant, including the applicant's qualification, loan amount and loan period. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation.

(2) Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated.

(3) Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Qualified, the center will issue the "Notice of Investigation on Guaranteed Entrusted Loans of Beijing Housing Provident Fund Management Center".

(4) Handling guarantee procedures: The applicant holds the Notice of Investigation on Entrusted Guaranteed Loans issued by Beijing Housing Provident Fund Management Center, and handles guarantee procedures according to the guarantee method he chooses. If mortgage+guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage+insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.

(5) sign a loan contract. The property right there depends on your own specific requirements, rather than the distance from your work unit and the surrounding living conditions.

Application conditions for provident fund loans: the prerequisite for housing provident fund loans is that individual urban workers and their units must continuously pay housing provident fund for one year.

When applying for individual housing provident fund loans, urban workers shall submit the following materials:

1. Personal data: 4 copies of the identity certificate of the individual (hereinafter referred to as the borrower) applying for the loan and the relevant identity certificate of the spouse (ID card or other valid documents are acceptable); Four copies of the borrower's marriage certificate (single certificate, marriage certificate, divorce certificate or divorce judgment, and the widowed person must provide the death certificate of the other party); 4 copies of valid vouchers for payment of house purchase price; 4 copies of the income certificates of the borrower and spouse respectively; 4 originals of legal house purchase contract; The seal of the borrower and his spouse; In addition, the borrower's housing provident fund deposit certificate is required. Be sure to bring the originals and corresponding copies of these materials.

2. Housing construction audit materials: pre-sale permit of commercial housing or approval of housing reform; Construction project planning permit; Construction permit for construction project; Construction land planning permit; State-owned land use certificate; View floor plan and floor plan. Buyers who meet the conditions of housing provident fund loans can apply for provident fund loans at the entrusted banks and handling outlets, or at the nearest provident fund management center or sub-center and management department. First of all, we should ask the developer about the project mortgage bank, and ask whether the "five certificates" of the real estate are complete and whether we can provide relevant procedures for ourselves. If developers do not provide property buyers with "five certificates", it is impossible to apply for provident fund loans.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 15 of the Regulations on the Management of Housing Provident Fund

Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go through the formalities for the establishment or transfer of employee housing provident fund accounts.

Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.

Article 16

The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Article 19

The housing provident fund paid by individual employees shall be withheld and remitted from their wages by their units every month.

The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.

Article 20

The unit shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.

Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.