Housing relief fund: It is the only way for enterprises to provide housing for their employees. If it is to be cancelled, it may cause controversy. Enterprise annuity is a commitment made by state-owned enterprises to their employees.

Of course I disagree!

Please first understand the concepts of housing provident fund and enterprise annuity!

The housing provident fund is a housing subsidy that the state compulsorily requires enterprises to pay to their employees. The state and enterprise employees bear it in proportion, and it is mandatory!

Enterprise annuities are voluntarily paid by companies to their employees. Generally speaking, companies that pay enterprise annuities to their employees are relatively large and strong companies!

Essentially, an enterprise annuity is a benefit!

The housing provident fund is a special fund. If it is changed to an enterprise annuity, it will be difficult for employees to withdraw cash. Moreover, for many people, a major benefit of the provident fund is that they can use the provident fund to take out loans and use the provident fund to repay mortgages. After changing to an enterprise annuity, they can also

Is it so convenient to use?

Some people don’t know what to think about all day long?

How can this kind of thing that is not beneficial to most enterprise employees be implemented?

Therefore, in the short and long term, it is impossible to cancel the housing provident fund, let alone change it to an enterprise annuity!

I will only talk about one or two things about saving money and making money with you!

The housing provident fund is a special fund compulsorily paid by the state, while the enterprise annuity is a voluntary act based on the social insurance paid by the employer and employees.

The two are not the same thing and cannot be substituted for each other.

The Housing Provident Fund Management Regulations clearly stipulate that Article 37 If an unit violates the provisions of these Regulations and fails to register for housing provident fund deposits or fails to complete the procedures for establishing housing provident fund accounts for its employees, the Housing Provident Fund Management Center shall order it to be completed within a time limit; if it exceeds the time limit,

Failure to do so will result in a fine of not less than RMB 10,000 but not more than RMB 50,000.

Article 38 If an unit violates the provisions of these regulations and fails to pay the housing provident fund overdue or underpays the housing provident fund, the housing provident fund management center shall order the unit to pay the housing provident fund within a time limit; if the unit still fails to pay the housing provident fund within the time limit, it may apply to the people's court for compulsory enforcement.

Therefore, employers must pay housing provident funds for their employees, otherwise they will be punished.

The enterprise annuity, that is, the supplementary pension insurance, is based on the payment of social insurance. In order to better improve the quality of life of retirees and the enterprise has better benefits, an annuity system can be established. This system is not mandatory. If

If the unit's profitability is not good, it does not need to pay.

To sum up, the employer must pay the employee housing provident fund, but does not need to pay the enterprise annuity.

Why do our people form many groups and are unhappy with each other?

It is because of the discontinuity of policies that everything we do is like chasing the last train. Those who catch up will catch up, and those who cannot catch up will be lost forever, resulting in repeated imbalances.

For example, if both the housing provident fund and the enterprise annuity are paid well, if the provident fund must be converted into an enterprise annuity, the policy will be changed with a small talk. How many people do you want to "kill"?

First: the essential difference between the two golds.

The housing provident fund is mandatory and companies must pay it.

Enterprise annuity is voluntarily paid by the enterprise.

The binding force on enterprises is different.

If housing provident funds are converted into corporate annuities, companies can find various reasons not to pay, and the employees will suffer.

Currently, most companies do not have corporate annuities at all.

Second, the functions of the two golds are different.

The housing provident fund is required by law for companies to pay compulsorily to protect employees’ purchasing interests.

First, you can withdraw money when you buy a house, renovate a house, or even get a serious medical treatment.

Second, you can use provident funds for low-interest loans. The interest rates on provident fund loans are much lower than commercial loans.

However, enterprise annuities can only be withdrawn after you retire.

If you do not retire formally and resign early, you will not be able to get your corporate annuity.

Third, the benefits of the two golds are different.

The minimum housing provident fund is 5% and the maximum is 12%.

The unit pays 12% and the individual pays 12%, which is 24%.

For example, the cap in Beijing is 6,680 yuan per month.

For enterprise annuities, enterprises voluntarily choose whether to pay or not. The payment ratio is 1% for individuals and 2% for units, or 2% for individuals and 4% for units.

The quantity is limited and not as high as provident fund.

The company reduced costs and employees suffered a big loss.

Do I agree?

Is it useful to disagree?

Unfortunately, I don’t know who is exercising my rights on my behalf, and I don’t know whether this representative will agree or not agree to cancel the Provident Fund in the future.

But I know that recently, some bigwigs, including serving officials, former officials and current community leaders, and corporate bosses, all support the abolition of the housing provident fund.

Of course, it is said on the Internet that the boss of the company once said that the housing provident fund should be cancelled, and everyone should be provided with a house. If this is the case, I agree with both hands and feet, but can it be done?

Probably not.

Therefore, judging from the current situation, I do not agree with the cancellation of provident fund.

Because my employer paid the housing provident fund for me, I am a vested interest, and of course I don’t agree.