Proportion of Ningbo provident fund

The proportion of provident fund in Ningbo is 12% of the base of housing provident fund deposit, of which enterprises pay 10% and individuals pay 2%. The specific proportion will be adjusted according to local policies and economic conditions.

The proportion of Ningbo provident fund withdrawal is formulated according to the relevant provisions of the state. At present, the payment ratio of enterprises and individuals is 10% and 2%. For example, an employee's total monthly salary is 5,000 yuan, and his housing accumulation fund contribution is 5,000 yuan * 12% = 600 yuan/month, of which enterprises need to pay 10% or 60 yuan and individuals need to pay 2% or 12 yuan. It should be noted that the proportion of provident fund in Ningbo may change with the local economic situation and policy adjustment. In addition, for some specific groups, such as employees with difficulties and the disabled. The government will provide subsidies or preferential policies for their contribution ratio to improve their affordability of housing provident fund. At the same time, Ningbo has certain preferential tax policies for paying housing provident fund, which can enjoy corresponding income tax and personal income tax relief.

What is the difference between Ningbo's provident fund ratio and other cities? The proportion of provident fund in different cities may be different, but they are all within the scope stipulated by the state. For example, at present, the contribution rates of enterprises and individuals in Shanghai are 7% and 7% respectively, while those in Shenzhen are 10% and 5% respectively. The adjustment of deposit ratio in different cities is also based on the local economic situation, housing price level and labor market demand.

The deposit ratio of housing provident fund in Ningbo is a very important policy, which has a great influence on the deposit and use of housing provident fund. In the process of paying the housing accumulation fund, it is necessary to abide by the relevant regulations to ensure the correctness and timeliness of the payment ratio, and also to pay attention to the relevant preferential tax policies and subsidies and preferences of specific groups.

Legal basis:

"Regulations on the management of housing provident fund" Article 18 The deposit ratio of housing provident fund for employees and units 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. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.