Luoyang housing accumulation fund new deal

Legal analysis: 1. The deposit ratio of housing provident fund for units and employees shall not be higher than 12% and not less than 5%. The deposit ratio of employees in the same unit shall be consistent.

2. It is indeed difficult for a unit to deposit housing provident fund, and if it applies for reducing the deposit ratio, it shall be discussed and approved by the staff and workers' congress or the trade union of the unit and reported to the housing provident fund management center for approval. The time limit for reducing the deposit ratio is 1 year; After the expiration of the deposit ratio reduction period, the unit shall restore the deposit ratio to the prescribed standard; If it is still necessary to reduce the deposit ratio after the expiration, the unit shall re-apply for reducing the deposit ratio.

3. The deposit ratio of flexible employees is 16%.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee 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.

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.