Beijing provident fund deposit ratio

According to Beijing Housing Provident Fund Management Regulations 20 19, the unit pays the housing provident fund at 5% of the total monthly salary of employees.

According to the Regulations of Beijing Municipality on the Management of Housing Provident Fund, various employers in Beijing have paid housing provident fund for employees since July 20 19 1 day. The unit shall pay the housing provident fund according to 5% of the total monthly wages of employees, of which the total monthly wages of employees do not include the part that exceeds 3 times the average monthly wages of employees in this city. The deposit ratio of individual employees is 8%, and these contributions belong to personal accounts and are used for buying houses. It should be noted that under the "purchase restriction" policy implemented by the Beijing Municipal Government, individuals who pay the provident fund in Beijing are not restricted by the real estate purchase restriction policy and can enjoy preferential policies for purchasing commercial housing in Beijing.

Who can apply for housing provident fund loans in Beijing? In Beijing, only employees who have paid the housing provident fund locally for one year and families without housing hukou in Beijing can apply for housing provident fund loans.

The contribution ratio of Beijing housing provident fund is 5%, of which the individual contribution ratio of employees is 8%, aiming at encouraging employees to actively participate in the provident fund system and providing guarantee for buying houses. It is suggested that employees pay attention to their own provident fund deposit information regularly to ensure that the deposit records are true and reliable. In addition, only employees who have paid housing provident fund in this city for one year and families without housing hukou in Beijing can apply for housing provident fund loans, so we need to pay attention to this restriction.

Legal basis:

Article 11 of the Regulations of Beijing Municipality on the Administration of Housing Provident Fund shall pay the housing provident fund at 5% of the total monthly wages of employees.