If the party's policy is good, individuals can also pay the provident fund! But is it worth paying the provident fund yourself?

Two months ago, my retired colleague asked to rely on the company in order to transfer business loans to provident fund loans. He paid for it himself, but the company refused mercilessly.

Now retired workers like him can pay their own provident fund even if they don't lick the company.

In Guangzhou, the new regulations will be officially implemented next month.

1.

Is it useful to pay the housing provident fund first? As we all know, the provident fund is paid by companies and individuals in a certain proportion.

How much do you pay? How much does the company pay?

For example, if you are a new employee, you will be employed for the first time, and your second month's pre-tax salary will be *5~ 12%.

Let's give an example. A newly graduated college student, with a pre-tax salary of 6,000 yuan next month, the company pays 5% of the provident fund, and the monthly provident fund is 6,000× 5% = 600 yuan.

For new employees looking for a job after job-hopping, your contribution ratio is the first month's pre-tax salary ×5~ 12%.

If it is an old employee, the average monthly salary of the previous year is ×5~ 12%.

The payment base of the provident fund is related to the average salary of the previous year, with little increase.

But in order to save costs, the minimum wage is written in the contract.