Conditions and requirements of Shenzhen provident fund loans, the proportion of provident fund paid by Shenzhen units for employees and individual employees shall not be less than 5% of the deposit base and shall not be higher than 12% of the deposit base. Conditions and requirements of Shenzhen provident fund loan.
Conditions and requirements of Shenzhen provident fund loan 1 Basic conditions for housing provident fund loan application:
Employees applying for housing provident fund loans shall meet the following conditions:
(1) The housing provident fund shall be paid in full and on time before the month when the loan is applied for, reaching the specified period;
(2) The down payment for house purchase (construction) shall not be lower than the specified proportion;
(3) Provide loan guarantee as required;
(4) It has stable economic income and loan repayment ability, and its personal credit status is good;
(five) employees and their spouses have not applied for housing provident fund loans or have paid off all housing provident fund loans;
(six) other conditions recognized by the provident fund management committee.
Under what circumstances can I apply for a housing provident fund loan?
Workers who have paid the housing provident fund can apply for housing provident fund loans if they purchase, build, renovate or overhaul the owner-occupied housing with ownership and meet the relevant requirements.
Housing provident fund loans should focus on supporting employees to purchase affordable housing, affordable commercial housing and the first set of ordinary commercial housing. Housing provident fund loans must be paid in full and on time in accordance with the Regulations on the Administration of Housing Provident Fund and the Interim Measures for the Administration of Housing Provident Fund in Shenzhen, and meet other loan application conditions.
Conditions and requirements of Shenzhen provident fund loan 2 1. Is it not necessary to pay the housing provident fund when the salary is low?
A: The deposit of housing provident fund is compulsory. If employees receive wages according to the local minimum wage standard, the unit shall pay the housing provident fund for employees according to the regulations, and the housing provident fund paid by individual employees may be exempted.
Editor's analysis: If the employee's salary is the lowest standard of the year (20 1 1 year is 1320 yuan), the employee can be exempted from paying the individual part of the provident fund, but the company still needs to pay a part according to the regulations.
2. Can I pay the housing accumulation fund at the nearest bank outlet?
A: The specialized staff of the unit can choose a bank outlet with a provident fund counter nearby to handle the provident fund business for deposit.
Editor's Analysis At present, the first batch of pilot banks for provident fund collection include: China Bank, China Construction Bank and China Merchants Bank, totaling 45.
45 banks: China Bank's first trial operation outlets of housing provident fund, China Merchants Bank's trial operation outlets of housing provident fund and China Construction Bank's trial operation outlets of housing provident fund.
3. How to determine the salary base? How much do you pay every month?
A: According to Article 16 of the Interim Measures for the Administration of Housing Provident Fund in Shenzhen, the deposit base of housing provident fund is the average monthly salary of employees in the previous year. New employees begin to pay housing provident fund from the second month of their employment, and the base of housing provident fund payment is the employee's salary for the current month. The newly transferred employees shall pay the housing provident fund from the date when the transferred units pay wages, and the deposit base of the housing provident fund is the employee's monthly salary.
Article 19 of the Interim Measures for the Administration of Housing Provident Fund in Shenzhen stipulates that the monthly deposit amount of housing provident fund paid by individual employees is the deposit base of employee housing provident fund multiplied by the deposit ratio. The monthly deposit amount of housing provident fund paid by the unit for employees is the deposit base of employee housing provident fund multiplied by the deposit ratio. The monthly deposit amount of housing provident fund paid by the unit for employees and individual employees shall be consistent.
According to the editing analysis, the provident fund is shared by both units and individuals, and the contribution ratio is the same. The contribution ratio calculated by * * * is between 10%-40%.
4. Can I use the provident fund for serious illness?
A: At present, in the case of serious illness in Shenzhen, it is temporarily impossible to withdraw the housing provident fund.
Editor's analysis Shenzhen housing provident fund is paid by both the unit and the employees, and the provident fund belongs to the employees themselves. Housing provident fund is a long-term housing savings fund that specifically supports employees to solve the problem of self-occupied housing. Special funds are used for special purposes, which need to be used according to law, and shall not be misappropriated without authorization.
5. Can Shenzhen people use provident fund when buying a house in other places?
A: The specific policies and procedures for housing consumption withdrawal will be launched in the first half of next year. Please feel free to pay attention to our website or call our hotline 8636699 for consultation.
6. Why can't our self-employed people pay the provident fund and enjoy welfare?
A: According to the Regulations on the Administration of Housing Provident Fund and the Interim Measures for the Administration of Housing Provident Fund in Shenzhen, the housing provident fund is paid by the unit and its employees. Self-employed individuals do not belong to the main body of housing provident fund deposit and cannot deposit provident fund.
Editor's Analysis Article 3 of the Interim Measures clearly stipulates that the housing accumulation fund refers to the contributions made by state organs, institutions, enterprises, private non-enterprise units, social organizations (collectively referred to as units) and their registered and non-registered employees. This provision clarifies that the main body of housing provident fund deposit is: on-the-job employees. Individual industrial and commercial households, unemployed people, retirees, retired re-employed people and freelancers are not included.
Conditions and requirements of Shenzhen provident fund loan 3 deposit ratio
5%— 12%
The contribution ratio of provident fund paid by Shenzhen units for employees and individual employees shall not be less than 5% of the contribution base, and shall not be higher than 12% of the contribution base.
Since July, the unit can adjust the proportion of housing provident fund deposit according to its actual situation.
Deposit base
Since July, 20265438 1 day, all housing provident fund deposit units (hereinafter referred to as units) have adjusted the adjusted housing provident fund deposit base to be the average monthly salary of employees in 2020.
The adjusted deposit base shall not exceed 3 times the average monthly salary of employees in the city in 2020 announced by the statistics department of this Municipality, that is, it shall not exceed 34,860 yuan (the average monthly salary of employees in the city in 2020 is 1 1620 yuan ×3 times).
If the average monthly salary of employees (the average monthly salary under the annual salary system) does not exceed the above limit, the actual average monthly salary shall 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 2200 yuan.
Deposit amount and interest rate
Deposit amount:
Deposit amount = monthly deposit salary base × deposit ratio
Deposit interest rate:
According to the benchmark interest rate of one-year time deposit.
Deposit procedure
Unit deposit registration
The newly established unit shall, within 30 days from the date of establishment, go to the housing provident fund business outlets for registration of housing provident fund deposit and special registration.
Handling materials:
1. Shenzhen Housing Provident Fund Unit Deposit Registration and Special Agent Registration Application Form.
2. Online business agreement of Shenzhen housing provident fund in duplicate.
3. Shenzhen housing provident fund entrusted collection agreement in duplicate.
4. The following units shall submit one original and one copy of the corresponding materials according to the following classification, and the copy shall be stamped with the official seal of the unit:
(1) State organ: approval document for the establishment of the unit.
(2) Public institution: a copy of the Certificate of Legal Person of Public Institution issued by the establishment management organ.
(3) Private non-enterprise units: the registration certificate of private non-enterprise units issued by the civil affairs department.
(4) Social organizations: the registration certificate of social organizations as legal persons issued by the civil affairs department.
(5) Others: valid certification documents.
5, the legal representative (or person in charge) copy of identity documents, must be stamped with the official seal of the unit.
6. One original and one copy of the ID card of the special agent.
Processing flow:
Method 1: Online declaration and counter settlement.
1, the unit specifies the associate degree.
2. Registration of the establishment of the online service hall: registering deposits and applying for an appointment.
3, according to the agreed time, with the required application materials to the housing provident fund business bank outlets.
4, online service hall online training and examination
5. Obtain a digital certificate (key)
Method 2: Counter settlement
1, the unit specifies the associate degree.
2, with the required application materials to the housing provident fund business bank outlets.
3, online service hall online training and examination
4. Obtain a digital certificate (key)
Processing time: 3 working days
individual account
After the deposit registration, the unit shall handle the formalities for the establishment of the housing provident fund account for its employees. Each employee can only set up one housing provident fund account. After the personal account is established and the employee's identity information is verified on the Internet, the personal housing provident fund account becomes effective, and the co-branded card business card is automatically launched.
Handling materials:
1, copy of Shenzhen Housing Provident Fund Personal Account Application List.
2. Original ID card of the special agent.
Processing flow:
Method 1: online settlement
1. The applicant logs into the online service hall: personal account setting module.
2, fill in the information, system audit
Method 2: Counter settlement
The applicant holds the required application materials to the housing provident fund business bank outlets.
Mode 3: Online declaration and counter settlement.
1. Applicants log on to the online service hall: personal account establishment-appointment application.
2, according to the appointment time, with the required application materials to the housing provident fund business bank outlets.
Processing time: three working days