2. There is not much difference in payment methods and handling conditions between unilateral provident fund and bilateral provident fund. Bilateral provident fund is the total amount of provident fund paid by units and individuals. Details are as follows:

1) The unilateral provident fund is the provident fund paid by the unit for employees or by employees. For example, if the monthly salary of employees is 10000, the contribution ratio of unit provident fund is 12%, and the contribution ratio of individual provident fund is 12%,10000×12% = 1200.

2) Bilateral provident fund is the total amount of provident fund paid by units and individuals. Provident fund deposit consists of two parts: employee individual provident fund deposit and employee unit provident fund deposit, which belongs to individual employees. Provident fund deposit, the monthly deposit amount of individual provident fund deposit is the average monthly salary of employees in the previous year multiplied by the proportion of employee provident fund deposit; The monthly deposit amount of the provident fund paid by the unit for the employees is the average monthly salary of the employees in the previous year multiplied by the deposit ratio of the unit provident fund.

3. The difference between the deposit base and the payment ratio. The state stipulates that the contribution ratio of provident fund is 5%- 12%, and the highest grade of provident fund is: the maximum contribution ratio of employees and original units does not exceed 12%, and the total maximum contribution ratio is 24%. Units can independently determine their own deposit ratio within this range. It is mainly up to the company to decide which proportion of investment to choose. Of course, in different urban areas, an upper limit of payment base will be set according to the regional average wage, but most enterprises will not pay a high proportion of provident fund. For example, the local average social wage is 6000 yuan, so the deposit scope of the provident fund is between 300 yuan and 720 yuan. If the local salary is 10000 yuan, the payment range of the provident fund is from 500 yuan to 1200 yuan, and the units and individuals will pay in the same proportion.

Deposit method

1. Transfer cheque and direct cash deposit (cash delivery book must be filled in).

2. Remittance by bank

3. Entrusted bank collection method

4. Withdraw housing funds

Handling requirements:

1, housing provident fund adjusted inventory;

2, adjust the housing provident fund deposit ratio application form;

3 other materials required by the city housing provident fund management center.