How to charge for provident fund

1. How to charge for provident fund

1. The fee is $50 per month per employee, which is paid by the employee under the name of the HR company. The advantage of this approach is to save time and effort, do not need the company to provide information for the account opening procedures, entrusted to the success of the immediate start to pay. The disadvantage is that the contributing company is not the original company, but is attached to the agent's human resources company.2. The cost of hosting one's company's CPF account is also $50 per person, or $500 per month for less than 10 people. The advantage is that you can use your own CPF account and you don't need to hire a CPF officer. The disadvantage is that you need to run your own account opening procedures, if the company is less than 10 people will be more expensive than the trustee. 3. It is more suitable to buy with the second type of trusteeship, do not need to handle the complex account opening process, the whole entrusted agent. The disadvantage is that the cost will be higher, and provident fund to open a provident fund account, the size of the company has certain requirements, the need for a certain number of employees to pay social security at the same time. I. How to apply for provident fund loans need to pay the standard of the various fees stipulated 1, insurance or guarantee fee: pure provident fund loans for: loan amount × corresponding rate × loan years combination loan for: the total amount of house payment × corresponding rate × loan years 2, deed tax: the total amount of the house payment × 1.5% 3, mortgage registration fee: the loan amount × 1.5%; up to 200 yuan; 4, the cost of work: a, the commercial housing for: pure provident fund Loan 160 yuan, a combination of loans 170 yuan; b, the other for: pure provident fund loans 80 yuan, a combination of loans for 90 yuan; Note: title *** have another 10 yuan; 5, agency fee: pure provident fund loans for 200 yuan, a combination of loans for 250 yuan; 6, maintenance fund: floor area × 40 yuan / square meter 7, measurement fee: floor area × 0.19 yuan / square meter II. What are the charges for different types of housing loans 1. commercial housing: insurance or guarantee fee, deed tax, mortgage registration fee, labor cost, agency fee, maintenance fund, measurement fee; 2. existing housing: insurance or guarantee fee, mortgage registration fee, labor cost; 3. second-hand housing: insurance or guarantee fee, mortgage registration fee, labor cost, agency fee; 4. no property rights housing: insurance or guarantee fee, mortgage registration fee, labor cost, Auction house (own property rights): insurance or guarantee fees, mortgage registration fees, labor costs, agency fees. Three. This definition of housing provident fund contains the following five meanings: (1) housing provident fund is established only in the towns, rural areas do not establish housing provident fund system. (2) Only employed workers have a housing fund system. The housing provident fund system is not practiced by urban residents who are not working, nor is it practiced by retired workers. (3) The housing provident fund consists of two parts, one of which is contributed by the employee's unit and the other by the individual employee, who contributes the part of his/her personal contribution to the individual account of the housing provident fund after the unit deducts the part of his/her personal contribution together with the part of the unit's contribution. Legal basis "housing fund management regulations" article 26 of the housing fund employees, in the purchase, construction, renovation, major repair of self-occupied housing, housing fund management center can apply for housing fund loans. The Housing Provident Fund Management Center shall, within 15 days from the date of acceptance of the application, make a decision on granting or disallowing the loan and notify the applicant; if the loan is granted, the commissioned bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Second, on behalf of the provident fund companies generally how to charge

Generally work in the company, the company to pay the provident fund, in fact, the monthly provident fund costs are part of the company, individuals have to deduct a portion of the salary. Take Wuhan City, for example, different companies pay different percentages of the provident fund account, there are paid 8%, there are also paid 12%. For example, your company is to pay 8% of the proportion, that is, according to the provident fund to pay the base, the company to pay 8%, the individual also have to pay 8%, a **** is 16% of the base into your personal provident fund account. Then if you are contributing to the CPF on behalf of the company, both the company and individual contributions need to be borne by you. In addition to the CPF fees, there is also a service fee. For example, the longer you contribute, the cheaper the service fee will be. If you want to take out a lot of provident fund loans, you usually have to pay for about 2 years. The service fee for 12 months or more of contribution on behalf of FANGFENG JINBao.com is 60 per month, or 720 yuan a year.

"Housing Provident Fund Regulations"

Article 16 of the monthly contribution to the employee's housing provident fund is the employee's own average monthly salary for the previous year multiplied by the employee's housing provident fund contribution ratio. The monthly contribution to the housing fund of the unit for the employee is the average monthly salary of the employee in the previous year multiplied by the ratio of the unit's contribution to the housing fund.

Article 18 of the employees and units of housing fund contribution ratio shall not be less than 5% of the average monthly salary of the employee's previous year; cities with conditions, can be appropriately increased contribution ratio. The specific contribution ratio shall be formulated by the Housing Provident Fund Management Committee and, after examination by the people's government at its own level, shall be reported to the people's government of the province, autonomous region or municipality directly under the Central Government for approval.

Three, how to charge the service fee of the provident fund?

How does a company that pays provident fund fees generally charge

1.

Charge a membership fee to become a member, and the member's monthly service fee will be discounted, and after signing up for a one-time settlement of the service fee, you can pay the monthly amount of the monthly payment;

2.

Determine the monthly service fee based on the contracted payment length, for example, there are some payment agencies that start at 3 months, and the monthly service fee is based on the monthly service fee, which is based on the monthly service fee.

The agency starts in March, the monthly service fee is 100 yuan, 4 to 6 months 80 yuan, more than 6 months 60 yuan, the service fee is also a one-time settlement, there is no additional charge, pay the monthly amount of the monthly payment;

3.

Something like 9.9 yuan ultra-low price, the promise of a low cost of the service fee.

4. How much do I have to pay for a CPF loan?

Applying for a housing fund loan mainly involves two fees: 1, the assessment fee. Borrowers purchased housing for commercial housing, second-hand housing and loan acceptance institutions identified other need to assess the housing, must provide the management center recognized by the qualified assessment agency issued by the "housing assessment report", need to pay the assessment fee to the assessment agency. The fee standard and basis are as follows: Fee basis: Beijing Price (Housing) Word [1997] No. 398 issued by Beijing Municipal Bureau of Prices and Beijing Municipal Bureau of Housing and Land Management. Charging standard: 3 per cent of the appraisal value of the collateral valuation fee, the minimum charge of 300 yuan, the maximum charge of 1,500 yuan. 2, guarantee service fee. Borrower applicants applying for housing provident fund loans must provide a guarantee method recognized by the management center. At present, it is mainly the Beijing Municipal Housing Loan Guarantee Center that provides joint and several liability guarantee and other guarantee methods (mortgage guarantee, pledge guarantee, etc.). If the guarantee is provided by the guarantee center, the guarantee service fee should be paid to the guarantee center. In accordance with the Beijing housing guarantee word [2009] No. 1 document, since March 9, 2009, the guarantee service fee charges adjusted to the loan amount of 3 per thousand (minimum charge of 300 yuan).