1. Housing accumulation fund for employees and units? The deposit ratio 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.
Second, the housing provident fund 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, social organizations and their employees.
Extended data:
Extraction process
(a) approved by the provident fund center.
Except for the two withdrawal methods of employee resignation and employee retirement, other withdrawal methods need to be audited by the provident fund management center before they can go through the withdrawal procedures in the bank. The procedure is as follows:
1. Submit relevant documents, which will be audited and sealed by the municipal housing provident fund management center or office.
2. Hold the "Housing Provident Fund Withdrawal Form", the special passbook or joint card for housing provident fund and the valid identity documents audited and sealed by the municipal provident fund management center or office, and wait until the relevant bank housing provident fund business handling outlets handle the withdrawal.
(two) the extraction of the entrusted bank audit.
The cancellation of labor relations between non-registered employees and their units and the retirement of retired employees have been entrusted to the Construction Bank for review. Resignation certificate (non-local registered employees leave), retirement certificate, ID card, etc. Issued by the applicant, you can directly withdraw the housing provident fund from the relevant bank outlets in this city.
(3) Entrusted loan repayment of provident fund (i.e. automatic monthly deduction)
Borrowers and their spouses who have handled housing provident fund loans from China Construction Bank, China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Merchants Bank and China CITIC Bank may apply for entrusted withdrawal of housing provident fund.
This business must be approved by the provident fund center or office with relevant information, and cannot be entrusted to others.
The loan bank is an applicant from a bank other than China Construction Bank. You must first apply for a joint provident fund card at the relevant bank outlet where the company opens an account and associate it with the provident fund account (activate it) before you can handle this business.
References:
Baidu encyclopedia-accumulation fund