How much is the minimum payment of the Huizhou Provident Fund

A, Huizhou provident fund minimum payment

Units and employees monthly contributions to the housing fund contribution base for the employee's own income in the previous year, the employee's own total annual wages (including hourly wages, piecework wages, bonuses, allowances and subsidies, overtime and overtime wages, wages paid under special circumstances) of the Monthly average. Within a remittance year, the unit and the individual employee shall contribute to the housing provident fund in accordance with the contribution base, the contribution ratio and the amount of contribution approved by the Municipal Housing Provident Fund Management Center.From July 2020 to June 2021, the maximum monthly contribution base for the housing provident fund of the city shall be RMB 24,951 (i.e., three times of the average monthly salary of the on-duty employees in the cities in the district of the city for the year of 2019, which is published by the municipal statistics department and is RMB 8,317), and the housing Provident Fund maximum monthly contribution is RMB 5,988. If the monthly salary (divided equally on a monthly basis if the annual salary system is implemented) does not exceed the above limit, the actual salary amount shall be used to calculate the monthly contribution base and monthly contribution amount; if the monthly salary exceeds the above limit, the maximum monthly contribution base shall be the above limit. Calculation of the amount of contribution to the provident fund: Monthly contribution amount = Monthly contribution base × Unit contribution ratio Monthly contribution base × Individual contribution ratio. How to determine the unit contribution ratio and individual contribution ratio of Huizhou enterprise housing provident fund? The contribution ratio of housing provident fund in Huizhou shall not be lower than 5% and shall not be higher than 12%, and a ratio can be determined within the range of 5% to 12% to contribute to the housing provident fund every year. The contribution ratio of each enterprise's provident fund is determined independently by each unit, ranging from 5% to 12% (rounded up to the nearest whole number). The range is 5%-12% (rounded up), where "5%-12% each" means that the unit and the individual each contributes 5%-12%, which means that the actual amount paid into the CPF account should be 10%-24% of the contribution base. Can the unit contribution rate and individual contribution rate be different in an organization? Can employees have different contribution ratios? According to the relevant regulations, the contribution ratio of employees in the same unit should be the same. A unit management account can only have one unit contribution ratio and one individual contribution ratio. The unit contribution ratio can be different from the individual contribution ratio, but the individual contribution ratio cannot be lower than the unit contribution ratio.

Two, Huizhou provident fund individual how to buy?

I. Individuals who voluntarily contribute to the deposit registration need to provide the following information:

(a) fill out the "Huizhou City, individual voluntary contributors to the deposit registration application form" a;

(b) signed the "Huizhou City, individual industrial and commercial enterprises, freelancers voluntarily contributing to the housing provident fund agreement" a;

(c) to provide the last year (C) Provide a copy of the inquiry result of personal income tax revenue details of the previous year (you can log in the "personal income tax" APP query screenshot printing);

(D) Provide the applicant's name a savings bank card (as the use of automatic collection business for the payment of housing provident fund remittance withholding, remittance withholding bank card of the bank must be (The following banks: Construction Bank, Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, Bank of Communications, Guangfa Bank, Huizhou Agricultural and Commercial Bank, Boro Agricultural and Commercial Bank, Bank of Guangzhou, and Bank of NanYue).

(v) Original applicant's ID card.

The remittance method for individual voluntary contributors to the Housing Provident Fund is limited to automatic collection. Contributing applicants should be in the month before the 19th of the month will be the full amount of personal housing fund contributions to the signing of the automatic collection of bank accounts, housing fund center in accordance with the voluntary contributions to the housing fund agreement signed with the depositors, the 20th of each month, on time, automatic deduction of the amount of remittance of personal housing fund for the month. The automatic withholding of contribution year month can only choose to withhold this month, if the applicant needs to stop contributing to the housing provident fund of the month, should be in the account before the 15th of the month for the closure procedures.

II. Individual voluntary contributors for the adjustment of the contribution base, contribution ratio need to provide the following information:

(a) fill out the "Huizhou City, individual voluntary contributors of housing provident fund contribution ratio, base adjustment register" a copy;

(b) to provide the previous year's personal income tax income tax details of a copy of the results of the query (can be logged on the "personal income tax"). "Individual Income Tax" APP query screenshot printing);

(c) the applicant's original ID card.

Processing time: July 1 to July 15 every year. The contribution base, i.e. the average monthly taxable labor income of the applicant contributor in the previous year, shall not be lower than the minimum wage standard of Huizhou City in the current year; the amount of the new monthly contribution shall not exceed the upper limit of the contribution announced by the Huizhou Housing Provident Fund Management Center in the current year; and the amount shall be adjusted only once in each contribution year.

Processing time limit: three working days

Three, individual voluntary contributors for the closure of deposit business required information:

(a) fill out the "Huizhou City, individual voluntary contributors to the Housing Provident Fund account closure application form" a copy of the application form;

(b) the applicant's original identity card.

Processing time limit: one working day

Fourth, the place of processing: voluntary contributors in person with the above information to the Housing Provident Fund Management Center Collecting Supervision Section or the counties (districts) Management Department for processing.

V. Precautions

Voluntary individual contributors should make full monthly contributions to the housing provident fund, and before the 19th of each month, deposit the full amount of the month's individual housing provident fund contributions into the bank account that has signed the automatic collection. If there is any change in the amount of remittance or application for suspension of remittance in the same month, the corresponding change should be made at the housing provident fund contractor bank branch before the 15th of the same month; if the amount is deposited after the 20th of the month and successfully deducted, it will still be treated as a remittance of housing provident fund of the same month.

Three, I would like to ask, about how to apply for a personal loan to buy a CPF to buy a house.

The provident fund can not be paid in the name of the individual, only in the name of the unit to pay, you do not pay the provident fund now, so you can not buy a house with a provident fund loan, if now your company to help you to pay, you have to pay for half a year before you can use the provident fund loan, the current cross-city can be mutual loan provident fund in Guangdong, so you can pay in Huizhou, you can pay in Zhongshan, but the prerequisite The first thing you need to do is to get a good deal of money from the government to help you pay for it.

Personal purchase of social security policy can call the local social security bureau to consult. After the unit can buy social security, personal purchase part is still in your social security account.