① Deduct first and then save: failure to deduct is regarded as breach of contract; 2 Deduction after saving money: successful deduction is not a breach of contract; (3) If there is no deduction from the bank after saving and there is a record of default, please contact the bank to handle related matters.
The meaning of provident fund
Provident fund refers to housing provident fund, which is a housing security system and a form of monetization of housing distribution. Sometimes it also refers to [1] company provident fund.
From July 20 17 1 day, the transfer and connection of housing provident fund in different places are all handled through the "National Platform for Transfer and Connection of Housing Provident Fund in Different Places". Gradually realize "accounts go with people, money goes with accounts". At the same time, we will vigorously promote off-site loan services to meet the funding needs of paid employees for cross-regional housing purchases.
20 16, 18 On February 8th, according to the Notice of the Central Bank, the Ministry of Housing and Urban-Rural Development and the Ministry of Finance on Perfecting the Formation Mechanism of Deposit Interest Rate in Employees' Housing Provident Fund Account, the deposit interest rate in employees' housing provident fund account was adjusted from the current benchmark interest rate for current and three-month deposits divided by collection time to the unified benchmark interest rate for one-year time deposits on February 2nd.
If 8% of your contribution is deducted directly from your salary according to the minimum standard, the company will help you pay another 8%. These two 8% add up to 16%, both of which are included in your provident fund account. You can withdraw or deduct the loan when buying a house.
Handling of provident fund: The unit where the employee works should register the deposit with the housing provident fund management center within one month after the employee is hired, and open a new personal provident fund account with the bank entrusted by the housing provident fund management center after the registration is successful. Legal basis: Article 15 of the Regulations on the Management of Housing Provident Fund stipulates that if a unit hires employees, it shall go through the deposit registration at the housing provident fund management center within 30 days from the date of employment, and go through the establishment or transfer of employee housing provident fund accounts at the entrusted bank with the audit documents of the housing provident fund management center. Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.