What is the payment base of social security accumulation fund?

The payment base of social security provident fund refers to the basic salary of the first year of work when an individual has a job, and the average total payment in subsequent years. The deposit ratio of employees and unit housing provident fund shall not be less than 5% of the average monthly salary of employees in the previous year.

Employees who meet one of the following circumstances may apply for partial withdrawal of housing provident fund:

1, purchase, build, renovate and overhaul owner-occupied housing;

2. Repay the principal and interest of the house purchase loan;

3. I, my spouse and children are suffering from serious diseases or emergencies, causing serious difficulties in family life;

4, the court ruled that the housing provident fund as divorce * * * and property division related to the extraction of housing provident fund;

5, the rent exceeds the prescribed proportion of family wage income;

6. Enjoy the urban minimum living guarantee.

Workers who meet one of the following circumstances may apply for cancellation of their accounts to withdraw housing provident fund:

1, returned, returned;

2, completely or partially lose the ability to work, and terminate the labor relationship with the unit;

3. Non-local household registration and rural household registration, and terminate labor relations with the unit and return to the place where the household registration is located;

4. Terminate the labor relationship with the unit and have not been re-employed for more than two consecutive years. Men over 50 years old, women over 40 years old;

5, was sentenced to terminate the labor relationship with the unit and the judgment stated the expiration of the time limit, men over 50 years of age, women over 40 years of age;

6. Go abroad to settle down;

7. The employee dies or is declared dead.

Legal basis: Article 25 of the Regulations on the Administration of Housing Provident Fund.

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.