Provident funds are paid by employers and individuals according to the ratio of 1: 1. According to the regulations of the national provident fund management, the payment ratio can range from 5% to 20%, depending on the operation of the enterprise. According to the situation that you pay the provident fund to 200 yuan every month, if you pay 5%, your income will be 4,000 yuan, and if you pay 12%, your monthly salary will be about 1700 yuan.
Provident fund level:
At present, the payment standard is set at 100 yuan per year, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 100 yuan and 10 grades. Local people's governments may add payment grades according to actual conditions.
Insured people choose their own grades to pay, and pay more. According to the economic development and the growth of per capita disposable income of urban residents, the state adjusts the payment grade in a timely manner.
The specific deposit ratio is chosen by the units and individuals themselves. In principle, only one unit can be selected for the same unit, and the individual deposit ratio should be equal to or higher than the unit deposit ratio. Units should pay housing provident fund for employees according to regulations, and the part paid by individuals can be exempted with the consent of employees themselves.
The monthly deposit of housing provident fund consists of two parts: the employee himself and the unit. Employee housing provident fund monthly deposit amount = employee's average monthly salary multiplied by employee housing provident fund deposit ratio = employee's average monthly salary multiplied by employee housing provident fund deposit ratio. If the contribution ratio of provident fund is 10%, your monthly salary is 1000 yuan, that is, 1000 yuan is deducted from your monthly salary, and the company will help you pay 1000 yuan; 200 yuan will be deposited in the provident fund account every month. According to Article 18 of the Regulations on the Management of Housing Provident Fund, the deposit ratio of housing provident fund for employees and units shall not be less than 5% of the average monthly salary of employees in the previous year.
Provident fund, also known as housing provident fund, is a national compulsory, mutual and affordable housing security system and a form of monetization of housing distribution. Units and individual employees must fulfill their obligations to pay provident fund according to law. The provident fund paid by individual employees and the provident fund paid by the unit are stored in special accounts and owned by individual employees, and units and individuals pay in proportion.
In principle, the base of the monthly provident fund shall not exceed 3 times the average monthly wage of the previous year announced by the national statistical department, and the minimum shall not be lower than the minimum monthly wage standard of the previous year stipulated by the labor department.
To sum up, according to the current minimum wage standard, 200 is basically lower than the minimum standard, which belongs to the low-level insured to choose their own grades to pay, and pay more and get more. According to the economic development and the growth of per capita disposable income of urban residents, the state adjusts the payment grade in a timely manner.
Legal basis:
Regulations on the administration of housing provident fund
Article 16
The monthly deposit amount of employee housing provident fund is 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.
Article 17
The new employee starts to pay the housing provident fund from the second month after joining the work, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.