Note that your housing provident fund may rise!

On July 28, the "Beijing Housing Provident Fund's upper limit of payment was sharply raised" on the hot search.

China New Finance reporters have noticed that since July 2022, the housing provident fund deposit base has been adjusted in many places, and the upper and lower limits of the new deposit base have been clarified, and many people's housing provident fund has also ushered in the rise.

Adjust more

The upper and lower limit of the housing provident fund deposit base

At present, Beijing, Shanghai, Guangzhou, Shenzhen and other places have adjusted the upper and lower limits of the housing provident fund deposit base.

Among them, the Office of the Beijing Housing Provident Fund Management Committee issued a notice on the 28th that starting from July 1, 2022, the upper limit of the annual housing provident fund deposit base of the 2022 Housing Provident Fund was 31,884 yuan; the lower limit of the monthly deposit base was 2320 yuan.

The maximum monthly deposit amount corresponding to the payment ratio of various housing provident funds in Beijing.

The upper limit of the deposit base increased by 3663 yuan from 28221 yuan in 2021. For example, according to the payment ratio of 12%, the maximum per month can be paid 7652 yuan per month. Among them, the unit and individuals pay 3826 yuan each, and the monthly deposit amount increases by 878 yuan over the previous year. If the minimum payment is deposited, the upper limit of the monthly deposit amount is 3188 yuan, of which the unit and individuals pay 1594 yuan each.

In addition, the maximum payment base of Shanghai Housing Provident Fund and Supplementary Housing Provident Fund is not more than 34,188 yuan, and the minimum is not less than 2590 yuan. The upper limit of the monthly deposit amount corresponding to the 7%deposit ratio of the housing provident fund itself and the unit is 4786 yuan, and the lower limit of the monthly deposit amount is 362 yuan.

In 2022, the monthly and lower limit of the monthly deposit amount of the Shanghai Housing Provident Fund.

Guangzhou clearly states that the adjustment base for adjustment is not lower than the minimum wage standard in the city (the current standard is 2300 yuan), and it is not higher than the average monthly salary of the city's employees in 2021, which is 36072 yuan.

In Shenzhen, the adjustment base shall not exceed the average monthly salary of the city's monthly employee by the city's statistical department of 2021, that is, no more than 38,892 yuan. Before January 1, 2022, the deposit base after the adjustment of the employees in the unit shall not be lower than the minimum wage standard of the month in the city of the previous year. The base must not be lower than the lowest wage standard of the city's monthly month in 2022.

It can be seen that the housing provident fund is not as much as you want to pay as much as you want. It should not be too low or too high. The upper limit of the deposit base is generally three times the average monthly salary of employees in the previous year, and the lower limit is generally the minimum wage standard in the local area.

In July

Your housing provident fund deposit base may change

The upper and lower limits of the new housing provident fund deposit base will be announced in various places.

According to the "Regulations on the Management of Housing Provident Fund", the monthly deposit of the employee housing provident fund is the proportion of employees' housing provident fund deposit on the average monthly salary of the employees in the previous year.

When will the housing provident fund deposit base be adjusted? It is usually July each year, because the housing provident fund is adjusted for an annual unit from July 1st to June 30th of that year.

Therefore, since July 2022, the deposit base of housing provident funds in many places has been adjusted to the average salary of the employee himself in 2021.

Data Map: Beijing Housing Provident Fund Management Center. Photo by Li Jinlei, a reporter from China News Service

For example, Shanghai clarified that the deposit base of employees' housing provident fund was adjusted from the average salary of 2020 to the average salary of 2021. Guangzhou has clear that the housing provident fund deposit base is adjusted to the average salary of the employee himself in 2021. In Shenzhen, since July 1, 2022, the payment unit of various housing provident funds shall adjust and implement the adjustment of the housing provident fund deposit base, and the deposit base is the average monthly salary of the employee in 2021.

Therefore, if your monthly average monthly salary of 2021 has risen, and the monthly deposit of your housing provident fund will also become more with the decrease in the proportion of housing provident fund deposit.

For example: If your average monthly salary of 2020 is 8,000 yuan, it has risen to 9,000 yuan in 2021, and the deposit ratio has always been 12%. The units were 960 yuan) to 2160 yuan (individual and unit 1080 yuan), an increase of 240 yuan.

How to inquire?

How to check whether the deposit base of your housing provident fund has improved?

The query method is diverse.

You can inquire about your salary bar or consult with the personnel of the unit. You can also query online, enter the official website or APP of the local provident fund management center, and log in to your personal provident fund account. Or through the third -party application query such as Alipay, you can also call the housing provident fund hotline 12329 for telephone inquiry.

You can also choose offline inquiries, bring ID cards and other documents to the service hall of the local housing provident fund management center for inquiry.

How much does your housing provident fund pay each month?

Source: China News Network

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