1. Employees are affiliated under the name of human resources company, and the cost is 50 yuan per employee per month. The advantage of this method is that it saves time and effort. The company does not need to provide information to open an account, and payment can be started after the commission is successful. The disadvantage is that the paying company is not the original company, but the human resources company to which the agent belongs. 2. The fee for hosting the company's provident fund account is 50 yuan per person, and 500 yuan per month below 10. The advantage is that you can use your own provident fund account without hiring a provident fund Commissioner. The disadvantage is that you need to open your own account. If the company has less than 10 employees, it is more expensive than paying wages. 3. Account opening on behalf of the agent, with the cost of RMB 0/000 per household. It is more suitable to buy by the second custody method, and you don't need to handle the complicated account opening process yourself, so you can entrust an agent all the time. The disadvantage is that the cost will be higher. Opening a provident fund account in the provident fund has certain requirements for the size of the company, and a certain number of employees need to pay social security. 1. What are the standards for various fees to be paid for provident fund loans? Insurance or guarantee fee: pure provident fund loan is: loan amount × corresponding rate × loan period; The combined loan is: total house price × corresponding interest rate × loan period; Deed tax: total house price ×1.5%; Mortgage registration fee: loan amount × 1.5. No more than 200 yuan; 4. Production cost: a. Commercial housing: pure provident fund loan 160 yuan, combined loan 170 yuan; B. Others include: pure provident fund loans from 80 yuan and portfolio loans from 90 yuan; Note: Some property rights * * * plus 10 yuan; 5. Agency fee: pure provident fund loan in 200 yuan, combined loan in 250 yuan; 6. Maintenance fund: construction area ×40 yuan/m2 7. Measurement fee: construction area ×0. 19 yuan/m2. What are the charging items of different types of housing loans? 1. Commercial house: insurance or guarantee fee, deed tax, mortgage registration fee, production fee, agency fee, maintenance fund and measurement fee; 2. Existing houses: insurance or guarantee fees, mortgage registration fees and production fees; 3. Second-hand houses: insurance or guarantee fees, mortgage registration fees, production fees and agency fees; 4. Property-free houses: insurance or guarantee fees, mortgage registration fees, production fees and agency fees; 5. Auction house (property right has been handled): insurance or guarantee fee, mortgage registration fee, production fee and agency fee. 3. This definition of housing provident fund includes the following five aspects: (1) Housing provident fund is only established in cities and towns, and the housing provident fund system is not established in rural areas. (2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents do not implement the housing provident fund system, and retired workers do not implement the housing provident fund system. (3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the individual contributions of employees are withheld by the unit, they will be paid into the individual account of housing provident fund together with the unit contributions. According to the law, employees who have paid the housing provident fund in accordance with Article 26 of the Regulations on the Management of Housing Provident Fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Second, how do companies that pay provident funds generally charge?
Generally working in a company, the company pays the provident fund. In fact, the monthly provident fund expenses are part of the company's salary, and individuals have to deduct another part from the salary. Taking Wuhan as an example, different companies pay different proportions of provident fund accounts, some pay 8%, and some pay 12%. For example, your company pays 8%, that is, according to the base of the provident fund, the company pays 8% and the individual also pays 8%. A * * * is the base of 16% and paid into your personal provident fund account. Then if you pay the provident fund, you need to bear the part paid by the company and individuals. In addition to the provident fund handling fee, remittance also requires a certain service fee. Take the Wuhan phalanx Jinbao for example. Take com as an example. The longer the payment time, the cheaper the service fee. If you want to borrow more provident fund, it usually takes about 2 years. The service fee for delivery1February is 60 months, and that for 720 yuan is one year.
Regulations on the administration of housing provident fund
Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
Eighteenth employees and units housing provident fund deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.
3. How to charge for the provident fund service?
How do companies that pay the provident fund generally charge?
1.
If you charge a membership fee to become a member, the monthly service fee of the member will be preferential. After the contract is signed, the service fee will be settled in one lump sum and paid monthly.
2.
The monthly service fee is determined according to the signing payment time. For example, some payment institutions start in March, and the monthly service fee is 100 yuan. 80 yuan from April to June, 60 yuan for more than 6 months, the service fee is also settled in one lump sum, and there is no extra charge for the follow-up, and it is paid monthly;
3.
Similar to 9.9 yuan's ultra-low price, low service charge is promised.
4. How much should I pay for the provident fund loan?
Applying for housing provident fund loans mainly involves two expenses: 1 and evaluation fee. If the house purchased by the borrower is a commercial house, a second-hand house or other houses that need to be evaluated as recognized by the loan accepting institution, it must provide a house evaluation report issued by a qualified evaluation institution recognized by the management center and pay an evaluation fee to the evaluation institution. The charging standard and basis are as follows: charging basis: Beijing Municipal Price Bureau and Beijing Municipal Bureau of Housing and Land Management stipulated the charging standard in document J.J.F.Zi. [1997] No.398: the appraisal fee is charged at 3‰ of the appraised value of the collateral, with the lowest charge being 300 yuan and the highest charge being 1500 yuan. 2. Guarantee service fee. When applying for a housing provident fund loan, the loan applicant must provide a guarantee method approved by the management center. At present, it mainly provides joint liability guarantee and other guarantee methods (mortgage guarantee, pledge guarantee, etc.). ) handle the Beijing Housing Loan Guarantee Center. If the guarantee is provided by the guarantee center, the guarantee service fee shall be paid to the guarantee center. According to the document J.F. Policy Zi [2009] 1, since March 9, 2009, the charge standard of guarantee service fee has been adjusted to 3‰ of the loan amount (the minimum charge is 300 yuan).