Taxi drivers have housing provident funds. According to national regulations, it is compulsory for companies to purchase social insurance for employees. Employees must pay social insurance within 30 days of joining the company. If they do not pay, employees can complain to the local labor inspection department.
, the unit must make additional payments.
Not every business must pay housing provident fund.
At present, government agencies and institutions pay housing provident funds for each employee, state-owned enterprises basically pay, and private enterprises, especially small and medium-sized enterprises, basically do not pay.
The state emphasizes that pension insurance funds and medical insurance funds must be paid, and qualified enterprises must pay five social insurances and one housing fund (five social insurances: pension insurance, medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, and one housing fund).
housing provident fund).
1. Which enterprises are required to pay provident funds for their employees: 1. Agencies and public institutions; 2. State-owned enterprises, urban collective enterprises, foreign-invested enterprises, Hong Kong, Macao and Taiwan commercial investment enterprises, urban private enterprises and other urban enterprises or economic organizations; 3. Private non-profit enterprises
Enterprise units and social organizations; 4. Permanent representative offices of Hong Kong, Macao and Taiwan commercial investment enterprises and other economic organizations; 5. Some urban individual industrial and commercial households and freelancers can apply to pay the housing provident fund.
2. Purpose of provident fund Provident fund is a housing fund accumulation fund stipulated by the state. Employees (units) in service are paid based on wages in proportion.
It is mandatory, welfare, economical and mutual aid.
The provident fund paid belongs to the employee personally and no other person has the right to use it.
The main purposes of provident funds are: purchasing, constructing, rebuilding, overhauling one's own home, repaying the principal and interest of home purchase loans, subsidizing rents that exceed family wage income, etc.
3. Actual use: 1. When you need to buy a house and need a loan, as long as you pay the provident fund normally for one year (some places stipulate half a year), and there is a certain balance in the provident fund account, you can apply for a loan (up to 300,000 yuan or 200,000 yuan).
), the loan interest rate is about % lower than that of commercial mortgage loans.
2. When constructing, renovating, or overhauling your own home, you can apply to the Provident Fund Management Center for withdrawing provident funds with relevant certification documents and information.
3. When you purchase a loan (including a commercial mortgage loan), the provident fund can be used to repay the principal and interest of the loan during the repayment period.
4. If your house is rented out and the monthly rent exceeds the family salary income and affects normal expenses, you can apply for withdrawal of provident fund to subsidize the rent.
Legal basis: Article 14 of the "Regulations on the Administration of Housing Provident Fund" A newly established unit shall register the payment and deposit of housing provident fund with the Housing Provident Fund Management Center within 30 days from the date of establishment, and shall, within 20 days from the date of registration, provide payment to the employees of the unit
Complete the procedures for establishing a housing provident fund account.
If a unit merges, splits, cancels, dissolves or goes bankrupt, the original unit or the liquidation organization shall handle the change registration or deregistration at the Housing Provident Fund Management Center within 30 days from the date of occurrence of the above situation, and complete the change registration or deregistration on its own.
Within 20 days from the date of transfer, the housing provident fund account transfer or sealing procedures will be handled for the employees of the unit.