Can the unit pay the provident fund when paying five insurances?

If the unit pays social security and meets the conditions for paying the provident fund, it can pay the provident fund separately according to its own economic situation and the amount. Many companies do not have their own social security and provident fund accounts, and will entrust a third party to pay social security and provident fund for their employees. This third-party entrusted cooperation mode is legal and compliant. Therefore, the company can not pay the provident fund, but go to a third party to pay the provident fund. When it leaves the company or the company starts to pay the provident fund, it can transfer the account paid by the third party to its own company name and then pay it. In this way, you can not only pay the provident fund in full, but also qualify for the provident fund loan.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. Except for state-owned enterprises, institutions or listed companies, most companies will pay the provident fund according to a very low base even if they pay employees. It is impossible to get a full loan from the provident fund paid according to the minimum base. It is impossible to get the highest loan with the lowest provident fund. Even if the account balance is paid for a long time and the monthly payment is low, there is always no way to obtain a full provident fund loan. So if you pay it yourself, you can calculate and pay the provident fund according to the amount you want to borrow. The definition of housing provident fund includes the following five aspects:

1. The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.

2. Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.

3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.

4. The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.

5. Housing accumulation fund is the individual housing savings fund of employees, which is specially used for housing consumption expenditure.

Legal basis:

Regulations on the administration of housing provident fund

Fourteenth newly established units shall, within 30 days from the date of establishment, go to the housing provident fund management center for registration of housing provident fund deposit, and within 20 days from the date of registration, go through the formalities for the establishment of housing provident fund accounts for their employees. Where a unit is merged, divided, revoked, dissolved or bankrupt, the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center to handle the change or cancellation of registration, and handle the transfer or seal-up procedures for the employees of the unit within 20 days from the date of completing the change or cancellation of registration.

Fifteenth units to hire employees, should be within 30 days from the date of employment to the housing provident fund management center for deposit registration, and for the establishment or transfer of employee housing provident fund accounts. Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.