Adjustment time of social security and provident fund base

You need to pay certain social insurance after you join the company, which is a guarantee for employees in many aspects. However, the time for paying social security varies from year to year. Then, when will the social security payment base of the provident fund be adjusted? I believe you will be interested in it. Today's lesson will take you to know more about this. Below, please see the detailed introduction. 1. When will the social security contribution base of the provident fund be adjusted? In some areas, the adjustment begins in April every year, in some cases in July, and in some areas, it is every year 1 month instead of across years.

No matter how many months of adjustment, we must wait until the local social wages are announced in the current year, and start to retreat more and make up less from the stipulated adjustment month. From February to May every year, the insured unit shall report the social insurance payment base of the next settlement year to the municipal social insurance fee collection management center or the district social insurance agency (hereinafter referred to as the social insurance agency) that handles the insurance registration.

The payment base of social insurance should be adjusted once a year. The adjustment of the payment base is determined according to the average social wage of the previous year. Therefore, no adjustment can be made until the average social wage of the previous year is announced in the overall planning area.

Due to the inconsistency of publication time in different places, there is no specific regulation on when to adjust, but the starting time is every year 1 month.

Second, how to borrow provident fund (1) loan conditions

The loan applicant must meet the following conditions:

1, employees with permanent residence in cities and towns or valid residence identification;

2. At the time of application, the housing provident fund has been normally deposited in the provident fund center for more than 6 consecutive months, and the provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of provident fund loans;

3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than the proportion of the value of the purchased housing;

4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;

5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor;

6, other conditions stipulated by the provident fund center.

(II) Loan Process First-hand housing loan process:

The borrower submits personal application materials to the window of the entrusted bank in the loan service hall-the entrusted bank accepts the examination-the guarantee company handles the guarantee formalities and issues a guarantee undertaking-the borrower signs a loan contract with the bank with the guarantee undertaking-the borrower handles the entrustment notarization formalities-and the center approves the issuance.

Second-hand housing loan process:

The buyer and the seller submit the application materials to the entrusted bank window in the loan service hall-entrust the bank to accept the application and conduct the preliminary examination-the appraisal company conducts the inspection and issues the appraisal report-entrust the bank to conduct the audit-the center conducts the examination and approval-the borrower signs the loan contract at the bank-the buyer and the seller go through the formalities of property right transfer-the borrower obtains the new property right and goes through the formalities of mortgage registration.

(3) loan materials

1, original and 6 copies of the second-generation ID card or military officer's card.

2. Original and 6 copies of the household registration book (home page and applicant's home page).

3. The original marriage certificate (marriage certificate, divorce certificate, single statement on the spot) and 6 copies.

4. Two originals (three originals are required for suburban property) and three copies of the filing form stamped by the developer.

5. Two originals and two copies of the house purchase contract.

6. Two originals and two copies of the annex or supplementary agreement to the house purchase contract.

7. Original and 3 copies of down payment receipt and credit card POS or cash receipt.

8. The original and 1 copy of the borrower's family housing registration record information certificate (employees applying for loans in urban areas can print 2 copies of the family housing registration record query results at the consultation counter of the urban management department).

9. Provide a set of original advance notice registration procedures with fresh seal (not allowed to be altered) to the developer.

10, entrusted deduction (repayment) account: the original and 1 copy of the savings card or passbook of the loan handling bank selected by the main borrower.

1 1, proof of income: customers who have not paid the housing provident fund should provide the original proof of income (which can be downloaded from the center website) and three copies; Among them, customers with a monthly income of more than 3,500 need to provide the original and 3 copies of bank running water or tax payment certificate 1 year.

12. proof of deposit: employees who have paid the provident fund in provincial sub-centers and petroleum sub-centers must provide the original deposit details and proof of deposit (deposit inquiry form) and 1 copy of their housing provident fund accounts in the past six months, and the housing provident fund accounts should be in a normal state.

13, other relevant information required by the provident fund management center.

3. What is the social security payment base? The social security payment base is 60%-300% of the average social wage. For example, the average social wage 1000 yuan, and the payment base can be 600 yuan-3,000 yuan. The calculation method is generally based on my salary income in the previous year. (1) If the wage income of employees is higher than 300% of the local average wage of employees in the previous year, 300% of the local average wage of employees in the previous year shall be the payment base; (two) the wage income of employees is lower than 60% of the local average wage of employees in the previous year, with 60% of the local average wage of employees in the previous year as the payment base; (three) the wages of employees are between 300% and 60%, which shall be truthfully declared. When it is impossible to determine the wage income of employees, the payment base shall be determined according to the local average wage of employees in the previous year published by the local labor administrative department. Social security will regularly check the base every year (March or July, in different places), and declare a new base according to the average monthly salary of employees in the previous year. It is necessary to prepare proof of these payroll.

Employees need to know the changes in the adjustment time of social security contributions in a general period of time.