Do national civil servants have housing provident fund?

National civil servants have housing provident fund.

The proportion of national civil servant housing provident fund deposit is not less than 5%, depending on local regulations. The housing accumulation fund of civil servants is calculated by multiplying their salary base by the deposit ratio of employee housing accumulation fund, and the deposit ratio is different in different regions. Under normal circumstances, individual civil servants have to pay 8% to 10% of the salary base, and the unit has to pay 12% to 15%. These funds are used exclusively for the purchase, construction, renovation or overhaul of owner-occupied houses by employees, and no unit or individual may use them for other purposes. You can consult the local provident fund management department or visit official website to find out the specific deposit ratio of the provident fund.

Provisions on the use of housing provident fund:

1. Purchase withdrawal: When employees purchase, build, renovate or overhaul their own houses, they can apply for withdrawal of housing accumulation fund;

2. Rent raising: When employees rent a house, those who meet the requirements can apply for withdrawing the housing provident fund to pay the rent;

3. Repayment of loan principal and interest: employees who use it to repay the principal and interest of house purchase loans may apply for withdrawal of housing provident fund;

4. Retirement withdrawal: When employees retire, they can withdraw the balance of housing provident fund in their accounts at one time;

5. Transfer in different places: employees who are employed in different places can apply to transfer the housing provident fund to a new work unit;

6. Termination of deposit withdrawal: If the employee terminates or terminates the labor relationship and has not been re-employed within 6 months, he may apply for withdrawal of the balance of housing provident fund in his account.

To sum up, the national civil servant housing provident fund is calculated by multiplying the salary base by the deposit ratio, and individuals need to bear 8% to 10%, and units need to pay 12% to 15%. These funds are used exclusively for the purchase, construction, renovation or overhaul of owner-occupied housing and shall not be used for other purposes. The specific deposit ratio can be obtained by consulting the local provident fund management department or landing in official website.

Legal basis:

Regulations on the administration of housing provident fund

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These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.