Comprehensive interpretation of the new policy for park provident funds to integrate with urban areas (photos) New policy adjustments: the original provident fund A, B, and C comprehensive social security plans were cancelled; the park social insurance (provident fund) comprehensive social security plans A and B were established;

Add a housing provident fund system in the park.

Category A Comprehensive Security Plan ① The proportion of personal contributions is reduced, and net salary income is increased; ② Social insurance benefits remain basically unchanged, and the amount of medical personal accounts increases; pension, medical, maternity, unemployment, and work-related injury benefits are the same as those in Suzhou urban area; ③ Housing security

The benefits have been improved, and housing can be purchased within the Suzhou city; the rental reimbursement rate has increased from about 7.2% to 16%; employees who have used their original provident fund accounts to purchase houses will not be affected, and employees who have not used their provident fund accounts can choose discounts

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Category B Comprehensive Security Plan ① The proportion of personal contributions decreases, and net salary income increases; ② Social insurance benefits remain basically unchanged, and the amount of medical personal accounts increases (the original Class C members increase their medical personal accounts); pension, medical care, maternity, unemployment, and work-related injuries

The benefits are the same as those in Suzhou urban area ③ Housing security benefits are increased (referring to those who pay housing provident fund separately); houses can be purchased within the Suzhou city; the withdrawal ratio for renting can reach 16%; those who meet the specified conditions can enjoy housing provident fund preferential interest rate loans

Adjustment principles: Adjustment principles for new and old account management models: old accounts for the elderly, new accounts for the elderly, new accounts for new people, new accounts for the old, old accounts for the elderly, old methods, old provident fund members’ old accounts are handled according to the old methods, and rural residents who are not registered in Suzhou are still allowed to "

It can be withdrawn or transferred."

Transitional Measures for New Accounts for the Elderly Newly paid accounts of former provident fund members will be handled according to the transitional measures. Individual housing purchases will not be affected, and various social insurance benefits will remain basically unchanged.

New employees, new accounts, new methods. New accounts of newly insured employees will be handled completely in accordance with the new methods, and the national unified system model of "social insurance + housing provident fund system" will be implemented.

Reason for adjustment: Main problems existing in the current park provident fund system 1. Transfer problem Due to the system characteristics of "pre-funding accumulation, vertical balance" of the park provident fund, it has long been poorly connected with the social security system outside the zone, especially the new national social security transfer policy at the end of 2009.

The introduction of this policy further aggravated members’ dissatisfaction.

2. House purchase issues. At present, using the provident fund ordinary account to purchase houses can only purchase houses in the park, and cannot enjoy preferential interest rates. The majority of members have always responded strongly to this.

3. Property Rights Issues: The current provident fund system’s account setting and property rights relationship are not clear. In particular, when handling relationship transfers and one-time withdrawals from personal accounts, personal property rights are infringed. Members have always responded strongly.

(Note: This article is for reference only. For specific policies, regulations and details, please refer to those issued by the competent authorities) Adjustment type: Type 1: The original provident fund type A is converted to the new provident fund type A 1. The original provident fund account has not been used to purchase a house. Option 1: Use the original provident fund.

Ordinary account (36%) deposit amount (1) You can choose to withdraw the original ordinary account and housing account deposit amount or amortize it monthly according to age requirements; (2) Use the housing account (16%) and borrow the special supplementary account (14%

) and pension supplementary account (6%) to repay the loan.

Option 2: Only use the housing part of the original provident fund general account and the housing account of the new account (1) Only use the housing part of the original provident fund general account (about 10.5 percentage points); the housing account deposit amount in the new account is optional

Withdraw or monthly amortization; (2) Enjoy the housing provident fund preferential interest rate loan policy in accordance with the "Suzhou Industrial Park Housing Provident Fund Management Measures", and use the monthly amount (16%) in the housing provident fund account to repay the loan monthly or within one year

Second extraction.

2. Situation 1 that has used the original provident fund account to purchase a house: employees who are using the provident fund to pay off the amortization (the amortization is not affected) before the new deal: ordinary special account (36%) after the new deal: housing account (16%) + special supplementary account (14

%) + pension supplementary account (6%) = 36% Scenario 2: The first mortgage has been paid off, and the provident fund account is used for the second time to purchase a house (1) The available housing supply is expanded to the Suzhou city; (2) The original provident fund

If there is a balance in the ordinary special account, you can choose to withdraw it in one go or amortize it according to age regulations; the housing account storage balance in the new account can choose to withdraw or amortize it; (3) You can use the housing account (16%) and borrow the special account

(14%) and the Pension Supplementary Account (6%) are credited in the same month to repay the loan.