What is the proportion of social security accumulation fund in public institutions?

Legal analysis: institutions have the highest proportion of housing provident fund deposit, with the unit of 12% and individuals of 12%.

According to relevant regulations, the deposit ratio of housing provident fund is as follows:

1. According to the national, provincial and municipal requirements, the maximum contribution rate of administrative institutions is 1 4 to1,and the individual contribution rate is temporarily unchanged;

2, enterprises and other units, with reference to administrative institutions, the unit's own good economic situation can increase the deposit ratio, but the sum of the deposit ratio of units and individuals shall not exceed 24%;

3. If an enterprise applies for reducing the deposit ratio due to losses and other special reasons, it shall be reported to the Municipal Housing Provident Fund Management Committee for approval after the preliminary examination by its sub-center (management department). The minimum deposit ratio of unit and individual housing provident fund is not less than 5%. According to the regulations, 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. Conditional cities can appropriately increase the deposit ratio.

To apply for a housing provident fund loan to purchase a house, the borrower must meet all the following conditions:

1, the identity is legal and valid;

2. Have full capacity for civil conduct;

3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

4, purchase, construction, renovation, overhaul occupied housing;

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

6. Provide customer-recognized guarantee;

7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;

8. The housing provident fund account has been established for more than 12 months (inclusive), and the housing provident fund has been paid in full for more than 12 months (inclusive) and was in the state of payment when applying for a loan.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.