there is generally no difference.

The housing accumulation fund contains the following five meanings:

The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas;

Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system;

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 employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit;

The deposit of housing provident fund is long-term. Once the housing provident fund system is established, employees must continuously pay according to the regulations during their employment, and it is not allowed to suspend or interrupt unless employees retire or other circumstances stipulated in the Regulations on the Management of Housing Provident Fund occur, which reflects the stability, unity, standardization and compulsion of housing provident fund;

The housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure. 1. There is no difference in the proportion of housing provident fund payment between deep households and non-deep households.

2. According to the Notice of Shenzhen Housing Provident Fund Management Center on Adjusting the Deposit Base and Deposit Ratio of Housing Provident Fund in 218 issued by Shenzhen Housing Provident Fund Management Center on June 29, 218, the lower limit of the deposit ratio of housing provident fund for units and employees is 5% and the upper limit is 12% from July 1, 218. Units can choose the appropriate deposit ratio according to their own actual conditions within the prescribed lower and upper limits of the deposit ratio. Therefore, the unit pays 5% legally. According to Article 16 of the Regulations on the Management of Housing Provident Fund, the monthly contribution of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the contribution ratio of employee housing provident fund. The monthly deposit amount of the housing provident fund paid by the unit for the employees is the average monthly salary of the employees in the previous year multiplied by the proportion of the housing provident fund paid by the unit.

According to the Notice of Shenzhen Housing Provident Fund Management Center on Adjusting the Deposit Base and Deposit Ratio of Housing Provident Fund in 218, the adjusted deposit base shall not exceed three times the average monthly salary of employees in the city in 217, that is, it shall not exceed 25,44 yuan. If the total average monthly salary of employees (the average monthly salary of the annual salary system) does not exceed the above limit, the actual average monthly salary will be used as the deposit base; If it exceeds the above limit, the limit shall be used as the deposit base. The adjusted deposit base shall not be less than 213 yuan.

housing provident fund management regulations deep households (taking families as units) can buy two sets of ordinary residential houses in Shenzhen (Land and Resources Bureau), and the interest rate of 3% down payment and 7% loan for the first purchase will go down, while the interest rate of 6% down payment and 4% loan for the second set will go up (Bank). Non-deep households (family as a unit) can only buy an ordinary residential house (Land and Resources Bureau) in Shenzhen, and the interest rate of a down payment of 3% and a loan of 7% without a loan under their name will go down (bank). There is no need to provide social security when a deep household transfers, and a 13-month uninterrupted social security list should be provided when a non-deep household transfers. Social Security According to the national regulations, if you pay for less than 1 years, you will receive a pension at the place where you register after retirement. The pension is related to the average wage level in the place where the household registration is located.

So, although the money paid by deep household social security and non-deep household social security looks the same, deep households enjoy the high pension and perfect welfare in Shenzhen. Non-deep households who have paid less than 1 years of retirement must return to the place where they are registered to get a lower pension.

it's equivalent to the same money and two things.