Adjust the deposit base of provident fund in many places and implement the ＂height limit order＂ of deposit ratio

　　Since July 1st, many places have adjusted the deposit base of housing provident fund. For example, the upper limit of the monthly deposit base of Beijing housing provident fund is raised to 5102 yuan, and the income of employees’ individual provident fund accounts will increase.

　　Different from previous years, some areas have also adjusted the upper limit of the housing provident fund deposit ratio this year. According to the Notice on Appropriately Reducing the Deposit Ratio of Housing Provident Fund in Phases issued by the State Council in April, it is required that the deposit ratio of housing provident fund shall not exceed 12%. The reporter from Zhongxin. com found that Guangdong, Anhui, Tianjin, Chongqing and other places have successively issued notices to reduce the maximum deposit ratio of housing provident fund from 20% and 15% to 12%.

　　The provident fund deposit base began to implement new standards and was raised more.

　　From July 1st, many places began to implement the newly approved standard for the deposit base of provident fund. The newly set monthly deposit amount and lower limit of housing provident fund are based on the average monthly salary and minimum wage of local employees in 2015 respectively. Judging from the adjustment range, the upper limit of monthly deposit in Beijing, Nanjing and other places has been raised above 400 yuan.

　　The Office of the Beijing Housing Provident Fund Management Committee issued a notice on June 21, saying that according to the calculation, the upper limit of the monthly contribution of the housing provident fund in 2016 was 5,102 yuan, and the upper limit of the monthly contribution of employees and units was 2,551 yuan. In 2015, the upper limit of the monthly deposit of Beijing housing provident fund was 4,654 yuan, compared with 448 yuan this year.

　　Nanjing requires that the maximum deposit base of housing provident fund in 2016 should not exceed three times (20,200 yuan) of the monthly per capita salary of employees in Nanjing in 2015, breaking the "2" prefix for the first time; At the same time, the upper limit of monthly deposit is 4,848 yuan, which is higher than 4,368 yuan in 2015 in 480 yuan.

　　The relevant notice of Shanghai to adjust the deposit base of housing provident fund shows that the monthly deposit limit of housing provident fund in 2016 is 2494 yuan, which is 204 yuan higher than the monthly deposit limit of 2290 yuan in 2015.

　　The reporter noted that in areas where the average monthly salary and minimum wage standard of employees in 2015 have not yet been published, there is a "temporary shortage" of the deposit limit. For example, because the minimum wage in 2015 has not been announced in Nanjing, it is temporarily impossible to calculate the minimum monthly deposit.

　　After adjustment, under the condition that the deposit ratio remains unchanged, the employee’s salary may be slightly reduced, but the unit’s simultaneous deposit amount will increase, and the employee’s personal housing provident fund account income will increase. From the perspective of buying a house and finally withdrawing income, it is actually good.

　　We will implement the deposit ratio "height limit order" and "guarantee the bottom" in many places.

　　In April this year, the State Council issued the Notice on Standardizing and Appropriately Decreasing the Deposit Ratio of Housing Provident Fund in Stages, requiring that all regions should strictly implement the relevant regulations within two years from May 1, 2016, and all housing provident fund deposit ratios above 12% shall be standardized and adjusted, and shall not exceed 12%.

　　Based on this provision, Guangdong, Jilin, Anhui and other places will adjust the upper limit of the proportion of housing provident fund units from 20% to 12%; Fujian, Chongqing, Tianjin and other places reduced the maximum deposit ratio from 15% to 12%.

　　Previously, the website of the People’s Government of Guangdong Province published a series of plans for supply-side reform in 2016-2018, which mentioned that Guangdong would reduce the proportion of housing provident fund deposit, and the upper limit of deposit would be reduced from 20% to 12%. At the beginning of July, Guangzhou, Dongguan and other cities also officially adjusted the upper limit of housing provident fund deposit ratio to 12%.

　　At the same time, the deposit ratio is "limited", and the work of "guaranteeing the bottom" is promoted simultaneously. 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; Cities with conditions can appropriately increase the deposit ratio. "

　　To this end, Qinghai proposed that the contribution of housing provident fund units can be determined by themselves according to the operating conditions of enterprises, and shall not be less than 5%.

　　The minimum deposit ratio implemented by Nanjing Provident Fund Management Center is 8%; Changchun stipulates that except for some enterprises with insufficient funds, they can apply for a phased reduction of the deposit ratio, and the deposit ratio of units and employees is not less than 7%.

　　Set and adjust the "timetable" in many places. Enterprises with operational difficulties can pay back or postpone payment.

　　The adjustment of the deposit base of housing provident fund has been implemented since July 1. In order to ensure the smooth progress of the work, many places have also set a "timetable" for adjustment.

　　Chengdu requires that all units can adjust the deposit base of employee housing provident fund through the online government affairs hall of Chengdu housing provident fund or the windows of various outlets. In principle, the adjustment should be completed before July 30; Dongguan said that if the depositor fails to go through the relevant procedures on time, it will be enforced from August; The approval time for Fujian is July 5-August 5.

　　In addition, according to the Regulations on the Management of Housing Provident Funds, enterprises with operational difficulties can enjoy the corresponding "relaxation" policy. That is, after passing the corresponding audit, it is allowed to pay back or postpone the provident fund, and there are different management regulations and audit conditions in different places.

　　Chongqing puts forward two conditions for the identification of enterprises with production and operation difficulties: continuous losses for more than three years, and the average monthly salary of employees is lower than 50% of the average monthly salary of employees in urban non-private units in the city last year; Or stop production or business, and stop paying wages for more than half a year. In principle, the suspension of deposit shall not exceed one year at a time.

　　Guangzhou proposed that units with difficulties in deposit can apply for reducing the deposit ratio (less than 5%) or delaying payment according to the current regulations. However, there is no specific holdover period. (zhong Qing)