Proportion of provident fund payment:

The basic deposit ratio of housing provident fund is: unit 12%, individual 9%, and the maximum deposit ratio of housing provident fund for both units and employees does not exceed12%; Each deposit unit may, according to its own production and operation, appropriately reduce the deposit ratio of housing provident fund in stages, but the minimum deposit ratio shall not be less than 5%.

Housing accumulation 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

Provident fund, usually refers to housing provident fund, and sometimes also refers to company provident fund. Housing accumulation 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.

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.

Housing provident fund loans need information

1. Materials to be provided for applying for commercial housing provident fund loan

(1) The borrower and the original and photocopy of the borrower's resident ID card and household registration book (* * * with repayment and guarantor) and * * * with repayment commitment letter;

(2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station);

(3) Legal commercial housing purchase contract or agreement;

(4) Personal credit certificate provided by the borrower and the borrower's unit;

(5) Effective proof that the borrower has paid not less than 30% of the house purchase price;

(6) List of mortgaged property and pledged property, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of mortgage evaluation issued by relevant departments;

(7) The auction property of housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.

For loan applications with complete information, the bank will accept and review them in time and submit them to the provident fund center in time.

The provident fund center is responsible for approving loans and informing banks of the approval results in a timely manner.

The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.

If the borrower has a mortgage, he shall go through the mortgage registration formalities with the property right management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

Baidu Encyclopedia: Provident Fund