How many months can the social security accumulation fund be repaid?

It should be noted that if it is interrupted for more than three months, it is not considered as normal continuous payment. When a unit collectively pays back the previous year's deferred housing provident fund, unpaid provident fund or individual employees' missed payment of provident fund, it can take the way of paying back.

When paying back the housing provident fund, the deposit unit can handle it directly through the bank, or it can be paid after being approved by the housing provident fund management institution, but the specific payment depends on the local actual situation.

First, the provident fund needs to be paid back.

1. employees are employed in the company, but the company has not paid the provident fund for employees, and the payment of the provident fund obviously lags behind the labor relations. The company shall go through the formalities of paying provident fund for employees and make up the unpaid part.

2. With the changes in the relevant requirements of the national provident fund, if it cannot be adjusted immediately with the national policy, if the deposit amount is increased, the overdue payment will be based on the difference generated by the previously unadjusted part. (If the staff of state organs, institutions and relevant grass-roots service personnel have relevant supplementary matters within the relevant provident fund base, the relevant documents shall prevail).

3. If the transfer of the unit is not confirmed in time, the employee shall go through the overdue formalities.

4. Other situations that need to be paid back need to be handled according to relevant local policies and requirements.

Second, does the repayment of provident fund have an impact on loans?

1. Whether the repayment of provident fund will affect the loan mainly depends on whether the local policy recognizes repayment or whether it is related to the repayment time.

2. At present, the basic requirement of provident fund loans is continuous payment of provident fund. If the payment is determined as continuous payment, it will not affect the owner's application for loan. If the payment within three months is stipulated as continuous payment, the loan application will not be affected as long as the owner pays within the time limit.

Of course, different regions have different regulations. It is best to go to official website, check whether the local provident fund management center meets the repayment requirements, and then negotiate with the person in charge of the unit.

Third, the way to pay the social security provident fund

1. Individual contribution: Everyone pays social security for flexible employment, and can make up for it if it complies with relevant social security laws and regulations. You need to bring your ID card and use your social security card to make up the payment. Generally speaking, when there is a problem with the social security system, they can pay it back, but generally they can't.

2. Company payment: If social security is interrupted due to resignation, or the company forgets to pay social security to employees during the insurance period, the new company can help pay social security. For this payment method, we personally don't need to worry, because the whole process will be handled by the staff of the unit.

3. Third-party payment institutions: If everyone's economy is good, then you can choose to let third-party institutions pay for you, remember to choose reliable institutions.

legal ground

Regulations of People's Republic of China (PRC) Municipality on the Implementation of Enterprise Income Tax Law

Article 35 The basic social insurance premium and housing accumulation fund paid by an enterprise for its employees in accordance with the scope and standards stipulated by the relevant competent department of the State Council or the provincial people's government are allowed to be deducted.

Supplementary endowment insurance premiums and supplementary medical insurance premiums paid by enterprises for investors or employees are allowed to be deducted within the scope and standards stipulated by the competent departments of finance and taxation of the State Council.