Park social security he fund management center

The proportion of Class A accounts in Suzhou Industrial Park Provident Fund Management Center has been adjusted several times;

Details of the last two major adjustments are as follows:

From July of 20 14 and 1 year, the accounting proportion of the comprehensive social security plan of social insurance (provident fund) in the park was adjusted, that is, the accounting proportion of the overall pension account was adjusted from 2.5% to 4%, and the accounting proportion of the special supplementary account was adjusted from 12.5% to/kloc-0.

From 20 15 and1July, the accounting proportion of the comprehensive social security plan of social insurance (provident fund) in the park will be adjusted, that is, the accounting proportion of the overall pension account will be adjusted from 4% to 5.5%, the accounting proportion of the special supplementary account will be adjusted from 1 1% to 9.5%, and the accounting proportion of other accounts will not be adjusted.

That is to say, the latest implementation rules are that after July 20 15, the special supplementary part is only 9.5%, not 1 1%, not to mention the old policy of 14% before July 20 13. Suzhou Park Provident Fund will adjust the deposit ratio every July. This is a special supplement to the provident fund of Suzhou Industrial Park.

In the past, the payment of the park provident fund was differentiated according to the proportion paid by individuals and employees, that is to say,

Individuals and units respectively pay 8%, 9%, 10%, 1 1% and 12% of the housing accumulation fund, and choose one of the five grades, which shall be determined by the unit and employees through consultation when signing the labor contract.

Among them, 8% is the proportion paid by individuals and companies in Suzhou's big cities. Including urban areas, high-tech zones, Wuzhong District and xiangcheng district, the general proportion is 8%.

Suzhou Park Policy Document stipulates that:

When submitting the personnel contract information, the employer shall accurately identify whether the B-type employees pay the housing accumulation fund and the housing deposit ratio between the A-type employees and the B-type employees.

Note: The housing payment ratio is 16%-24%, and the selection grades are divided into 16%, 18%, 20%, 22% and 24%, which are determined by the unit and the employee through consultation, with the unit and the employee each bearing half.

If you buy a house, according to the latest regulations, it is not specified in detail that 14% of the money can only be used to buy a house; This is what the old provident fund policy said before. Now the payment base of social insurance provident fund is calculated by the following companies.

Personal loanable amount 1= payment base of social insurance (provident fund) paid by the borrower (including co-borrower) ×35% (specified proportion )×12 (month )× loan period (year).

The original text of the notice attached to the Latest Provisions of Suzhou Industrial Park on the Adjustment of Provident Fund and Personal Housing Loan is as follows:

In order to implement the spirit of the Notice on Developing Personal Housing Loan Business of Housing Provident Fund (Jian Jin [20 14] 148) and the Notice on Issues Related to Personal Housing Loan Policy (Yinfa [20 15]98), Give further play to the role of housing provident fund in ensuring the basic housing needs of paid employees and supporting the improved housing needs. According to the requirements of Suzhou Municipal Government's Notice on Printing and Distributing Opinions on Promoting the Stable and Healthy Development of Suzhou Real Estate Market (2065438+05) No.74) and Suzhou Housing Provident Fund Management Center's Notice on Adjusting the Relevant Provisions of Housing Provident Fund Personal Housing Loan (Su Gui [2065438+05] No.2), combined with the actual situation of the park,

First, adjust the maximum amount of provident fund loans

(a) the maximum loan amount for new housing is adjusted from 500,000 yuan to 700,000 yuan; The maximum loan amount for housing units (second-hand houses, the same below), housing construction and housing decoration is adjusted from 350,000 yuan to 700,000 yuan.

(two) if only one of the loan applicant and other co-owners meets the conditions for calculating the loan amount, the maximum loan amount for new housing will be adjusted from 300,000 yuan to 450,000 yuan; The maximum amount of loans for housing units, housing construction and housing renovation is adjusted from 265,438+0,000 yuan to 450,000 yuan.

(3) If the borrower uses the provident fund loan for the first time to purchase a complete house with a building area of less than 90 square meters (including 90 square meters), and the total house price does not exceed 165438+ 10,000 yuan, the maximum loan amount can be calculated as 80% of the total house price.

2. The insured loan amount of Plan A and Plan B can be calculated in the following two ways, and the loan applicant can choose by himself:

Personal loanable amount 1= payment base of social insurance (provident fund) paid by the borrower (including co-borrower) ×35% (specified proportion )×12 (month )× loan period (year).

Personal loanable amount 2= balance of the borrower's (including co-borrower) housing provident fund account (if it is less than 1 000 yuan, it shall be calculated as 1 000 yuan) × 10 (times); The loan term is determined according to the monthly repayment amount, which shall not exceed 50% of the monthly deposit base.

Three, the loan applicant for the first time to use provident fund loans to buy self-occupied housing, the down payment ratio is uniformly adjusted to not less than 20% of the total housing price.

4. If the loan applicant uses the provident fund loan for the second time to purchase self-occupied housing, the interest rate for canceling the loan shall be 1. 1 times the interest rate for the first time, and the interest rate for the first time shall be implemented.

V. This notice shall be implemented as of May 20, 20 15. Not involved in the content, according to the original provisions.

Therefore, if you have paid the provident fund in the park for more than half a year according to Class A scheme and Class B scheme, you can choose one of the above two quotas to calculate.

For example, your pre-tax company social security and provident fund declaration base is 6000 yuan, and you buy a house with a total price of 900,000 square meters; The repayment plan for 25 years is as follows:

Using the formula of personal loan amount 1, it is 6000*0.35* 12*25 years = 630,000, and the upper limit of personal loan is 450,000, so according to this formula, personal loan can only reach 450,000, and the husband and wife have a total of 700,000;

The formula for using the personal loanable amount of 2 is 10 times the personal account balance, that is, your account balance must be at least 90,000 yuan, and then the monthly repayment should not exceed 3,000 yuan, and the loan period should be 25 years; Similarly, personal loans reached 450,000, and the total amount of husband and wife was 700,000.

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