the provident fund is generally divided into two parts, one is the company contribution part, and the other is the individual contribution part; Therefore, the company will only pay the company part, and the personal part still needs to be paid by itself.
Both units and individuals should pay part of the provident fund. Housing provident fund is a social welfare for housing, which is universal and compulsory. According to the State Council's "Regulations on the Management of Housing Provident Fund", housing provident fund is a long-term housing deposit paid by employers and their employees, which belongs to individual employees and is paid by employers and employees according to a certain proportion of their average monthly salary in the previous year.
The stipulation of supplementary payment of housing provident fund means that the previous year's provident fund is paid according to the average wage standard of employees in the previous year, and the actual wage difference this year and the approved wage difference are used as the base for supplementary payment of the provident fund difference. If the salary is reduced, the unit will generally not return the overpaid provident fund. In addition, the payment of the provident fund cannot be made online, and it can only be made after the materials are provided by the unit and approved by the provident fund management center.
the deposit methods of the provident fund are: go directly to the bank where the provident fund is opened and pay back by bank remittance; The method of entrusting the bank to collect money can also be repaid by withdrawing the housing fund, or by depositing a transfer check or cash.
the housing accumulation fund is a personal savings fund specially used for housing consumption expenditure, which is stored by employers and employees according to regulations. Housing provident fund accounts management, must be deposited in the housing provident fund management center in the entrusted bank accounts; The housing provident fund shall be earmarked for special purposes, and no unit or individual may use it for other purposes.
housing provident fund purchase process
1. Apply for provident fund loan, and the borrower submits the loan application to the provident fund management core as required, and provides the information needed for the loan.
2. The core of the provident fund loan is initially examined. After accepting the borrower's application, the provident fund management core will review the borrower's qualification, loan amount, loan term, loan information and other information, and give opinions.
3. Credit investigation of provident fund loans. After the preliminary examination of the core of provident fund management, the undertaking bank of provident fund loans will conduct a credit investigation of borrowers before lending. After the investigation is completed, the loan bank will put forward opinions, and fill in the "Investigation and Approval Form for Individual Housing Provident Fund Loans and Portfolio Loans" and send it to the relevant personnel for approval.
4. After signing the provident fund loan contract, if the borrower passes the examination, he will receive a notice from the loan undertaking bank. At this time, the borrower only needs to carry the ID card, account book, bank account number and other materials in accordance with the specified time, and go to the undertaking bank to sign the loan contract.
5. Go through the formalities of home insurance and mortgage registration. After signing the loan contract, the borrower shall go through the formalities of insurance and mortgage registration as required, and the expenses arising therefrom will be borne by the borrower himself.
6. Waiting for the transfer of the provident fund loan, the loan undertaking bank will transfer the loan to the account designated by the borrower and the seller on the date agreed in the contract after confirming that the mortgage registration has been completed and the loan contract has come into effect, and send the loan receipt to the borrower.
To sum up, this is Xiaobian's answer on whether to make up the individual part of the provident fund recovery. I hope it can help you
Legal basis:
Regulations on the Management of Housing Provident Fund
Article 19 The housing provident fund paid by individual employees shall be withheld and remitted from their wages every month by their employers. The unit shall remit the housing provident fund paid by the unit and remitted for employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.
Article 2 A unit shall pay the housing provident fund in full and on time, and shall not pay it late or underpay. Units that have real difficulties in depositing housing provident fund can reduce the deposit ratio or defer payment after being discussed and approved by the workers' congress or the trade union of the unit, audited by the housing provident fund management center and reported to the housing provident fund management Committee for approval; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.