1, and the deposit base is the average monthly salary of employees in the previous year.
The deposit base of housing provident fund is approved in full according to the wages of employees at the end of last year and adjusted once a year. In principle, the deposit base shall not exceed 3 times the average monthly salary of employees in the previous year announced by the statistical department of the city where the employees are located.
2. The deposit ratio of housing provident fund is 12% (that is, each unit and individual 12%), and the same unit implements the same deposit ratio.
For example, if your total salary and bonus in your company in 20 19 is 120000 yuan, then your average salary base in February of 20 19 is 120000 ÷ 65438.
Suppose your company pays you the provident fund at the highest rate of 12%, then the monthly payment is:10000 *12% =1200 yuan. My monthly deduction is also 1200 yuan. So your provident fund account earns 2400 yuan a month.
There are many materials extracted from the housing provident fund. In the early stage, I consulted the provident fund management center by telephone and prepared corresponding materials according to my own extraction conditions. The following are the conditions for withdrawing the housing provident fund:
I. Purchase, construction, renovation and overhaul of owner-occupied housing
Including:
1, purchase the new commercial house in full.
2, commercial loans to buy new commercial housing.
3. Buy a second-hand house.
4, urban and rural housing construction, renovation and overhaul.
Second, retirees.
Provide the original ID card and any of the following information:
1, original retirement certificate;
2, retired, retirement salary audit table;
3, retired, retired, proof of the unit.
Three, completely lose the ability to work, and terminate the labor relationship with the unit.
Original certificate of termination of labor relations and original ID card of disability appraisal conclusion issued by the labor department.
Fourth, appear in the mirror and settle down.
Original account cancellation certificate or settlement certificate, original ID card.
Verb (abbreviation for verb) repays the housing loan.
Annual repayment of commercial housing and housing provident fund loans.
Payment of rent by intransitive verb
Certificate of no room issued by the applicant and his spouse at the deposit place. Original lease contract, ownership certificate and immovable property certificate, copy of purchase contract, resettlement agreement for demolition and resettlement house, and original ID card of the leased house.
Seven. Other cases
Refers to an account that has been deposited for six months but has not been deposited: the payer's original identity card dies and is declared dead; The original notarial certificate (the notarial certificate must clearly indicate the heir and legatee of the deceased employee) is the original ID card of the payer.
Required materials When employees withdraw housing provident fund, they must provide the Application Form for Individual Housing Provident Fund Withdrawal stamped by the unit (in triplicate), the original and photocopy of the ID card of the extractor and the following supporting materials:
(1) If the owner-occupied house is purchased without mortgage, the following supporting materials shall be provided:
When purchasing a first-hand property, the original and photocopy of the purchase contract (or pre-sale contract) and purchase invoice (or receipt) shall be provided when purchasing for the first time; After the withdrawal, provide the registration certificate of Guangzhou housing provident fund withdrawal. When buying a second-hand house, provide the original and photocopy of the real estate title certificate and deed tax payment certificate for the first time; After the withdrawal, provide the registration certificate of Guangzhou housing provident fund withdrawal. If the compensation for land acquisition is purchased to increase the housing area, the original and photocopy of the house demolition and resettlement agreement and the purchase invoice for increasing the housing area shall be provided when it is first extracted; After the withdrawal, provide the registration certificate of Guangzhou housing provident fund withdrawal.
(2) If the principal and interest of the house purchase loan are repaid (the owner-occupied house is purchased by mortgage), the original and photocopy of the loan contract signed with the bank shall be provided when the first withdrawal is made; After the withdrawal, provide the registration certificate of Guangzhou housing provident fund withdrawal.
(3) For the construction of owner-occupied housing, provide the original and photocopy of the land use certificate (or real estate license) approved by the urban construction department at or above the town (township), the approval of the planning department at or above the town (township) for building, and the invoice (or receipt) for purchasing building materials. Decoration of owner-occupied housing, provide the original and photocopy of the approval of the urban construction department above the town (township), the real estate license, and the invoice (or receipt) for purchasing building materials. Overhaul the owner-occupied housing, and provide the original and photocopy of the housing safety appraisal certificate, real estate license and repair expense invoice (or receipt) issued by the housing safety appraisal institution above the town (township).
(4) If renting a house for self-occupation, provide the original and photocopy of the lease contract (referring to the contract registered by the housing management department or the public housing lease contract signed with the unit) and the rent invoice (or receipt); After the withdrawal, provide the registration certificate of Guangzhou housing provident fund withdrawal.
(5) Retirement, provide the original and photocopy of retirement certificate. To reach the statutory retirement age, provide the original and photocopy of the ID card.
(6) If the employee completely loses the ability to work and terminates the labor relationship with his unit, the original and photocopy of the certificate of the hospital above the municipal level and the certificate of termination of the labor relationship between the employee and the unit shall be provided.
(7) If you leave the country to settle down, provide the original and photocopy of your visa and passport.
(8) If the employee who is not registered in this Municipality terminates the labor relationship with the unit, the original and photocopy of the certificate of termination of the labor relationship between the employee and the unit shall be provided.
(9) If the registered permanent residence moves out of the city and terminates the labor relationship with the employer, the original and photocopy of the registered permanent residence move-out certificate and the certificate of termination of the labor relationship between the employee and the employer shall be provided.
(10) For unemployed (or laid-off) personnel, male is 45 years old (including 45 years old), female is over 40 years old (including 40 years old), and has been unemployed (or laid-off) 12 months or more continuously, the original and photocopy of unemployment certificate (or employment certificate) shall be provided.
(1 1) If an employee dies or is declared dead, his successor or legatee shall provide the employee's death certificate, the certificate of legal inheritance right or bequest right notarized by a notary office, and the original and photocopy of the household registration book.
At present, the withdrawal of provident fund in many cities can be completed online, including the same city services of WeChat and Alipay, and related city services have been opened. I look forward to helping you.