The minimum provident fund standard in Nanjing is 2,280 yuan.
The deposit base of Nanjing's provident fund in 2021 is the average monthly salary of the unit's employees in 2020, but the maximum amount of deposits cannot exceed three times the monthly per capita salary of the unit's employees in 2020 officially announced by Nanjing City (
34,500 yuan), and the minimum provident fund deposit amount shall not exceed the average minimum salary standard for each employee of the unit in 2021, which is 2,280 yuan.
Freelancers in this city can contribute to and use the housing provident fund.
You need to provide the following information to the service outlet to apply for housing provident fund payment registration and personal account establishment procedures, and sign the "Housing Provident Fund Payment Agreement" to stipulate the payment base, proportion, amount, method, period, rights and obligations of both parties, etc.
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The housing provident fund refers to the equal contributions made by state agencies 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 groups and their employees.
Long-term housing savings.
The deposit base of housing provident fund in Nanjing is: 1. Deposit ratio At present, employees in Nanjing are divided into three types of deposit ratios according to the nature of the unit: the deposit ratio for government agencies and public institutions is 12%; foreign, Hong Kong, Macao and Taiwan businessmen
For enterprises, the deposit ratio is 10%-12%; for public institutions and other enterprises under enterprise management, the deposit ratio is 8%-12%. Enterprise units can apply to the Provident Fund Management Center to increase the housing provident fund deposit ratio based on the business performance of the enterprise.
Once approved, it can be implemented accordingly.
2. Payment base Nanjing’s new provident fund payment base standard is a lower limit of 1,320 yuan and an upper limit of 13,700 yuan, which will be implemented from July 1, 2012.
Calculated based on the ratio of unit and individual deposits of 1:1, theoretically, the upper limit of the monthly deposit amount can reach 3,288 yuan (13,700 yuan × 12% × 2), and the minimum is 211.2 yuan (1,320 yuan × 8% × 2).
3. Contribution upper limit Nanjing’s new provident fund payment base standard is a lower limit of 1,320 yuan and an upper limit of 13,700 yuan, which will be implemented from July 1, 2012.
Calculated based on the ratio of unit and individual deposits of 1:1, theoretically, the upper limit of the monthly deposit amount can reach 3,288 yuan (13,700 yuan × 12% × 2), and the minimum is 211.2 yuan (1,320 yuan × 8% × 2).
What are the procedures for applying for housing provident fund?
1. Go to the local provident fund management place in advance or go to the official website of the online provident fund management center to inquire about the conditions for applying for provident funds and the materials that need to be prepared.
2. Prepare the required materials. Of course, the premise is that you meet the provident fund loan conditions.
The required materials include: house sales contract, copy of the original ID card, household registration book and other related materials. The specific information required shall be subject to the regulations of the relevant local departments; 3. After the materials are prepared, find a working day to submit them to the provident fund management center.
Relevant departments submit the materials required to apply for housing provident funds. The relevant departments will review the application materials submitted by the lender and review the lender's loan qualifications, loan amount and period, etc.
After the relevant department passes the review, a "Collateral Review and Assessment Notice" will be issued.
4. Provident fund lenders take the mortgage review and assessment notice to the designated appraisal agency, and the appraisal agency will evaluate the value of the house.
5. After the evaluation is completed, the lender returns to the relevant department of the Provident Fund Management Center with the "Evaluation Report" given by the evaluation agency.
Relevant departments will determine the final loan amount based on the appraisal report.
6. Then you can go to the relevant window to handle the guarantee procedures according to the process; 7. After completing the procedures, you can sign the proposed loan contract; 8. Finally, within the specified date, the lender can go to the designated bank window to transfer the money.
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Legal basis: Article 2 of the "Housing Provident Fund Management Regulations" These regulations apply to the deposit, withdrawal, use, management and supervision of housing provident funds within the territory of the People's Republic of China and the country.
The term “housing provident fund” as mentioned in these Regulations refers to state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social groups (hereinafter collectively referred to as units) and their employees
Contributions to long-term housing savings.
Article 3 The housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for the employee shall belong to the individual employee.