Housing accumulation fund is a fund system established by the state for the housing security of employees. Interest is calculated on the amount deposited in the provident fund account, that is, the deposit income of the provident fund account is calculated at a certain interest rate. Generally, the interest will be settled on 65438+February 3 1 every year, which means that it can only be settled once a year. At present, the annual interest rate of housing provident fund is 2.75%, which is set by the State Council and the average interest rate is implemented nationwide. Therefore, employees also enjoy fixed financial benefits while paying the provident fund. In the housing provident fund account, interest settlement is also a very important part, which can increase the income and rights of depositors, improve the housing security ability of employees and help depositors improve their quality of life.
Will the settlement interest rate of housing provident fund change? The settlement interest rate of housing provident fund is set by the State Council, which is usually stable, but it may change due to the adjustment of macroeconomic situation. The specific situation needs to pay attention to the announcements of relevant government departments.
Interest settlement of housing provident fund refers to the income of deposits in the provident fund account calculated at a certain interest rate, which can bring fixed financial benefits to depositors once a year. While safeguarding personal rights and interests, employees should also pay attention to the reasonable arrangement of the deposit amount and period, so as to give full play to the advantages and value of housing provident fund.
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 employees in the unit deficit calendar is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.